Home Insurance in Newington, CT

Home insurance, also known as homeowners insurance, is an essential form of financial protection. Regardless of how well you maintain your home or the protective measures you may implement, certain incidents may be impossible to prevent. As such, adequate coverage should be a top priority to ensure such situations do not inflict long-lasting financial consequences.

What Is Home Insurance?

Home insurance policies establish legal agreements between you and your insurance carrier. After customizing and purchasing your coverage, you agree to pay premiums in exchange for ongoing coverage. This retains you the right to file a claim for financial aid in response to covered incidents, often including fires, hail and burglary. If approved, your claim can provide a payout up to your policy’s limits and minus your deductible.

Why Do I Need Home Insurance?

While there are no laws requiring home insurance, you may be obligated by your mortgage lender to maintain coverage. Other parties, such as homeowners associations, may also impose specific requirements. Even without formal mandates, home insurance should be a top priority, as without suitable coverage, you could lack the means to repair your home, replace your belongings or otherwise manage complex financial situations.

What Types of Coverage Are Included in Home Insurance?

Most standard home insurance plans include the following financial protections:

• Structures coverage can pay for repairs to your home and other structures on your property, such as garages, sheds and gazebos.

• Contents coverage may assist with losses involving your possessions, such as electronics, furniture and clothing.

• Liability coverage can provide a reprieve from losses should you or another insured, such as your spouse or children, be at fault for injuring someone else or damaging their property.

• Loss-of-use coverage can help pay for hotel stays, restaurant meals, storage space and other expenses incurred by your home becoming temporarily uninhabitable.

How to Get a Home Insurance Policy

At Koziura Insurance Agency, we are committed to helping homeowners and families in the Newington area assess their coverage needs and secure ideal policies. Contact us today to learn more or to compare personalized home insurance quotes.