• Post last modified:October 5, 2020
  • Post category:Insurance

Spring brings about feelings of energy and excitement with the coming of warm, beautiful weather.  Not only does spring provide a rebirth of nature from the doldrums of winter, but it also brings another season of house hunting, because lets be frank, no one likes looking at new homes when its five degrees outside.  

If you’re looking to purchase a home this spring, whether its your very first one or your second or third, everyone needs to be aware of the ins-and-outs of the correct type of CT Homeowners insurance that’s right for you.  We’ve discussed this topic before, but it never hurts to provide solid reinforcement on this very important topic.

Here are the basics of homeowners insurance you should be aware of:

What exactly is covered in your policy?

  • damage caused by fire or lightning  
  • windstorms or hail
  • weight of ice, snow or sleet
  • freezing of plumbing, heating, air conditioning or other household systems.

So then what isn’t covered?

  • floods and earthquakes -the damage they cause is not covered by the standard homeowners policy.
  • If you live in a flood or earthquake prone area, then you’ll have to invest in a separate earthquake and/or flood policy

How do I get my stuff back?

  • CT Homeowners insurance covers your personal property, that means the ins- and- outs of your home and any personal belongings you or members of your have.
  • High priced items like furs and jewelry may or may not be included, so check your policy very carefully if you have these types of items.