Home & Auto
Home Insurance
Buying a home, renting, protecting a rental property or reviewing your liability limits? Mike helps explain homeowners, renters, landlord/dwelling fire, umbrella liability and separate flood coverage before you decide.
What it can include
The main parts of a home policy
Two home policies can look alike and still work very differently. These are the parts worth understanding.
Choose any part and the quote form opens with it already noted.
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Dwelling
Helps pay to repair or rebuild the structure of your home after a covered loss.
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Other Structures
Helps cover detached structures on your property, such as a garage, shed or fence.
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Personal Property
Helps pay to repair or replace your belongings after a covered loss.
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Loss of Use
Can help with extra living costs if a covered loss makes your home unlivable for a while.
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Personal Liability
Helps protect you if you are responsible for someone else’s injury or property damage.
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Medical Payments to Others
Can help pay smaller medical bills if a guest is hurt on your property.
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Why it matters
Know what your home policy really covers
Coverage limits, deductibles and exclusions all shape what a policy pays after a loss. Mike walks through your property coverage, liability limits and deductibles with you, so you understand what you are paying for and where the gaps may be.
He can also help compare renters coverage, landlord/dwelling fire policies, umbrella liability protection and separate flood insurance, depending on your situation and available options.
Insurance does not have to be confusing or overwhelming.
Answers
Home insurance questions
Plain-English answers to common questions. If yours is not here, call Mike or book a free consultation.
Standard homeowners policies usually do not cover flood damage. Flood coverage is typically a separate policy, so it is worth asking about if water is a concern where you live.
It is the amount you pay toward a covered claim before your insurance pays the rest. A higher deductible can lower your premium, but it means paying more yourself when you make a claim.
Bundling can make sense for many households, but it is not automatically the best choice. Mike can compare bundled and separate options with you.
Get A Quote
A few details, and you are ready to talk it through
Choose what you would like a quote for, then add your name, a phone number and an email address. Those three details are all the form requires.
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Next step
One conversation can make your coverage easier to understand
Start with a quote request, or call Mike’s Connecticut office if you would rather talk it through first.