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Connecticut Homeowners Insurance
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Whether you own a house, condominium or townhouse, for most people their
home is their most important investment. We offer Connecticut homeowners insurance policies that have flexibility to meet your individual needs and above all, provide you with the security that comes only from the knowledge that your home is safe. |
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Homeowners insurance is often required by lenders to
obtain a mortgage and nearly everyone, whether you own or lease property, should have the protection of homeowners insurance. |
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Click on the link below to fill out a quote request form
for a Connecticut Homeowners Insurance policy that will provide excellent home insurance coverage at an affordable cost. Or you can speak with one of our Connecticut Homeowners Insurance agent specialists at 203-351-9898 to discuss the policy features in more detail. |
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Covered losses under a Connecticut homeowner's insurance policy can be paid
on either a replacement cost basis or on an actual cash value basis. When "actual cash value" is used, the policy owner is entitled to the depreciated value of the damaged property. Therefore, the older the item is, the less money you may receive for it. If you choose the "replacement cost" coverage, the homeowner's insurance policy will reinburse the amount it costs to replace the property with something of a similar type and quality at current prices. |
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An "All Risks" policy provides the broadest Connecticut homeowners insurance
protection because it will cover losses that are due to any peril except those specifically excluded in the policy. A "Named Perils" policy covers losses that are due to only those perils listed in the standard homeowners insurance policy and typically include fire, hail, windstorm, and other physical losses. |
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If your policy limit is less than 80% of the replacement cost of your home, you
will face a "coinsurance penalty," which means you'll have out-of-pocket expenses to cover costs beyond the policy deductible you chose. For example purposes we will assume your home's estimated replacement value (RCV) is $100,000. The co-insurance clause requires you carry at least $80,000 (80% of your RCV). If you chose to purchase only a $40,000 Connecticut homeowners insurance policy you would be underinsured by half. Therefore, in the example the insurance company would pay one-half of a loss less the policy deductible, so if you suffered a $10,000 covered loss to your house, condominium or townhouse and had a $500 deductible, your policy would only pay $4,500. |
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Personal liability in a Connecticut homeowners insurance policy is also an important
part of having security from accidents that may occur on your property. We suggest you choose coverage limits that are not less than those on other liability insurance you own, such as car insurance. |
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We are a local Fairfield County, CT insurance agency, offering affordable
Connecticut homeowners insurance policy premiums and services in the following cities and counties: Stamford, Norwalk, Greenwich, Darien, Riverside, Belltown, Springdale, Round Hill, Old Greenwich, East Norwalk, New Canaan, Glenville, Byram, Cos Cob, Mianus, North Stamford, Glenbrook, Wilton, Weston, Long Ridge, Noroton, West Norwalk, Westport, High Ridge, Southport, North Wilton, Winnipauk, Cannondale, Turn of River, South Wilton, Lyons Plains, Georgetown, Ridgefield, Branchville, Redding, Topstone, Ridgebury, Redding Ridge, Branchville, Dodgingtown, West Redding, Titicus, Hattertown, Bethel, Danbury, New Fairfield, Newtown, Hawleyville, Botsford, Monroe, Bridgeport, Stepney, Shelton, Huntington, Upper Stepney, Long Hill, Trumbull, Stratford, Easton, Fairfield, Greenfield Hill, Stratfield, Nichols, Oronoque, Rivercliff, Devon, Lordship, and East Bridgeport, New Haven, Hartford, Torrington, Waterbury, Meriden, New Britain, New London, Norwich, Manchester, East Hartford, Suffield, Granby, West Haven, West Hartford, Branford, East Haven, Hamden, Woodbridge, Orange, North Haven, Groton, Rocky Hill, Newington, Wethersfield, Glastonbury, Bloomfield, Blue Hills, South Windsor, Naugatuck, New Hartford, Chesire, East Lyme, Old Mystic, Wallingford, Southington, Middletown, Bristol, Laurel Beach, Litchfield, Pleasure Beach, Mystic, North Westchester, Double Beach, Willimantic, Storrs, Canaan, East Windsor, Vernon, South Canaan, Putnam, Guilford, Windham, South Britain, Willington, Windsor, East Hampton, Brooklyn, Westchester, and everywhere else in New Haven County, Litchfield County, Middlesex County, New London County, Hartford County, Tolland County and Windham County, CT. |
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Connecticut Homeowners Insurance Policy FAQ
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Replacement Cost or Actual Cash Value
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Connecticut Homeowners Insurance Policy FAQ
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All Risks or Named Perils
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Connecticut Homeowners Insurance Policy FAQ
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Coinsurance Penalty
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Connecticut Homeowners Insurance Policy FAQ
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Personal Liability
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Connecticut Homeowners Insurance Policy FAQ
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Copyright 2004-2010 William Malloy Insurance Agency, Inc.
All rights reserved
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Malloy Insurance Agency
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Connecticut Business, Homeowners
& Car Insurance Specialists
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Request a Quote Here!
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"Over 60 Years
of Professional
Insurance Service"
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William Malloy
Insurance Agency
87 Glenbrook Road
Stamford, Connecticut 06902
(203) 351-9898
Fax: (203) 351-9880
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"We're Your Connecticut
Homeowners Insurance Agent"
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Answer a few questions and
we will provide you with a no
obligation to buy quote by
phone or email. Choose the
Connecticut personal or
group insurance coverage
you're interested in from one
of the menus above.
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Homeowners insurance is one of the most popular forms of personal insurance
and the typical Connecticut homeowners insurance policy has two main sections:
Section I - insurance coverage for your property
Section II - personal liability coverage (to cover you in case of lawsuits arising
from things that happen on your property) |
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