Homeowner's Insurance

There's no better feeling than being safe at home.

 

Homeowner's insurance  the Summers Insurance team will provide you with the advice and guidance you need to create a the right, personalized insurance package.  Our goal is to get to know you and to understand your insurance needs, and then to secure the most appropriate and efficient coverage.

 

As a leading independent insurance broker, serving Connecticut, New York and New Hampshire, we have the ability to shop multiple carriers nationwide, in order to get you the best possible home insurance in Connecticut and beyond!

 

Let us help you insure:

 

  • The physical structure of your home

  • Replacement cost

  • Personal possessions

  • Additional living expense (in the event of covered loss or a natural disaster)

  • Liability

  • Specialty coverages: Valuable Articles/Floater Insurance policies (i.e. Jewelry Insurance), Flood Insurance policies, Earthquake insurance policies, Umbrella Insurance policies (additional liability), Animal Liability (liability issues due to household pets)

WHAT IS HOMEOWNER'S INSURANCE?

Homeowner’s insurance (sometimes known as "hazard insurance") protects your property. It pays for losses and damage to your property if something unexpected happens. Home insurance covers things like a fire or burglary.  When it comes to insurance -- any type of insurance -- one size does not fit all. There are many variable factors that determine the right amount of coverage for each individual homeowner.  

WHY DO YOU NEED HOMEOWNER'S INSURANCE?

For many people, their home is their largest financial investment. Homeowner's insurance protects that investment. If you have a mortgage, your lender will require you to carry homeowner's insurance and provide proof of insurance.  If you don’t have insurance, or you don't provide the proper proof of insurance, your lender is allowed to buy it for you and charge you for it—. In this case, that insurance may only cover the lender - not you. When this happens, the insurance is typically more expensive than what you could buy on your own and also typically not what you need to protect your home and your family.  

WHAT DOES HOMEOWNER'S INSURANCE NOT COVER?

Standard homeowners insurance does not cover damage from earthquakes or floods. But this coverage may be available to you. There are also other variables in homeowner's insurance coverage depending on your specific policy and company. In general, it is never wise to make assumptions about what is covered. It's important to know with certainty what insurance coverage you're paying for. Working with an independent insurance agent makes it easy to ask questions about each particular coverage and find the right insurance provider and policy for your personal needs.

WHAT DETERMINES THE COST OF HOMEOWNER'S INSURANCE?

There are many factors that contribute to homeowner's insurance rates. These factors include