So What Exactly Does Connecticut Homeowners Insurance Cover?

Posted under Home Insurance

CT homeowners insurance is designed to protect you and your family financially by providing financial reimbursement in the event of loss or damage to your home. Basically that means it covers damage to the building itself, for the types of event your policy covers. It is often sold in tandem with contents insurance which covers damage to any of your household possessions or furniture, and theft. Home insurance also often protects you from liability in the instance that anyone visiting your property is inadvertently harmed by you, a member of your family or your pet.

The type of threats that homeowners insurance may cover any or all of the following: fire, theft, storm or tempest, vandalism, and earthquake. Policies vary from one provider to the next, and the levels of risk for certain natural disasters are different across the country. That’s why the types of risks covered can vary – it’s also why it’s vital you read the fine print and to clarify what is and isn’t covered by your policy. It’s possible to insure for most events, but in some cases (flood, for example) you’ll need separate cover.

Few people doubt the value of home insurance, but if you do, you only need imagine for a moment what it would be like to lose your home to fire or natural disaster and be uninsured.