In short, homeowners insurance gives you piece of mind and protection against disaster. On a deeper level, homeowners insurance is a package policy, meaning that one policy will offer multiple areas of protection. A typical homeowners policy will insure your home and your belongings in the event of damage or theft. It also provides protection if you or your family are liable for injuries to others or for damage to their property.
Just remember that not all policies are equal. Depending on both your coverage needs and your budget, you may need to adjust various coverages in your policy. That’s where an Associated Insurance Agency agent comes in. You can contact either of our Danbury Connecticut or our Watertown Connecticut offices to evaluate your homeowners insurance needs and create a policy that makes sense to your needs and your pockets.
You’d be surprised at what a typical homeowners insurance covers.
- Dwelling Coverage
- Personal Property Coverage
- Loss of Use Coverage
- Liability Insurance
Some hazards and incidents reach beyond a typical homeowners insurance policy.
- Nuclear plant accidents
- Flooding & Sewer backups
- Termite Infestations
Some of the many factors that go into homeowners insurance premiums.
- Your credit score
- Heating source
- Proximity to water