Homeowners
Homeowners Insurance in Connecticut
At V.F. McNeil Insurance, we’ll help you customize a homeowners insurance program that suits your specific needs. Our insurance agency is located right in Branford, Connecticut and we are always happy to help. Give us a call today at (203) 481-2684 or (800) 566-1886.
Your home is one of your greatest investments; make protecting it a priority — prepare a home inventory. Click on the link below to read about how important a home inventory report can be in the unfortunate event you are ever faced with a loss and need to file a claim. Microsoft Excel Users may use the link provided to access and prepare a home inventory. We suggest providing this inventory to your agent as well as keeping a copy in a safe deposit or fire proof box. Home Inventory Template. You can also visit the Insurance Information Institute to take advantage of their free, home inventory software.
| Home Inventory PDF | Get a Homeowner’s Quote |
Common Questions About Homeowners Insurance:
You do. The mortgage company collects a set amount from you each month in order to protect their investment. This money is put in escrow and covers your insurance and taxes. However, the policy is still yours and you might select the homeowners insurance for your home you feel offers the best coverage at the best rates.
I’m buying homeowners insurance in Connecticut. What exactly does my policy cover?
Are floods, earthquakes, and other natural disasters covered?
Most catastrophes are covered. Flood and earthquake damage, however, are not covered by a standard policy and both perils are more common than many people realize. We can advise you on such normally excluded conditions as floods and earthquakes.
Preventative measures to help you protect your home from flood. Developed as outreach to Illinois communities affected by recurring basement flooding. Clinic to mitigate before the threat and damage hits. Video posted by FEMA.
Are there exclusions I should know about?
Exclusions listed and defined in your policy might include neglect, intentional loss, “earth movement,” general power failure, and even damage caused by war. If you fail to take care of your property (e.g., a leaky roof), you might not be covered. Obviously, if you intend to lose an object or damage your property, there’s no coverage.
One other exclusion that can be costly is the Ordinance or Law exclusion. Building codes established by governmental bodies that drive up the cost of rebuilding or repairing after a loss occurs might not be covered by your insurance policy. Thus, if you discover when replacing damaged property that current law demands higher grade or more expensive materials than those you’re replacing, the new materials might not be covered fully.
If you have any further questions about homeowners insurance V. F. McNeil is here to help. Our friendly and expert personal lines agents are happy to help you find the best homeowners insurance for your home. Give our Branford, Connecticut office a call today at (203) 481-2684 or (800) 566-1886.
