Homeowners Insurance Information
PROTECT YOUR HOME AND EVERYTHING IN IT.
Connecticut is home to one of the most expensive and competitive real estate markets in the United States, and any investment you make in a home is going to be one that you want to make secure.
Homeowners insurance is the tool that you will be able to use to protect your dwelling, possessions and personal liabilities within the home. It’s there to make your life more secure and will be there to help you in case any number of accidents strike. With the help of the committed team at AJ Gambardella Insurance, you’ll be able to build the customized policy that will always come to your aid at a time when you need it.
We’re your one-stop destination for all your insurance needs, and if you want to make your search for auto insurance easy, then just call us at (203) 377-8455 or request your free quote now!
More About Home Insurance
Why is home insurance important?
A home is more than just a dwelling. It is a financial asset that costs a lot of money to buy and maintain. It’s also something you take pride in, and a place where you want your family to feel safe and secure.
But the fact of the matter is that you never know when a problem like a fire, severe storm, break-in, burst pipe or other hazard might come along and both damage your property and lead to a mounting pile of repair bills. It is customized homeowners insurance that will make sure you have the financial support you need to rebuild your life without putting your own solvency on the line.
What is covered under home insurance?
Homeowners insurance is easily customized to fit the needs of the individual property owner. Recommended coverage includes:
Structure Insurance: This insures your house in the event of damage from fires, weather, theft, vandalism or other hazards.
Detached Structures Coverage: Other buildings on your property – such as fences, carports, gazebos and detached garages - will have coverage.
Possessions Insurance: This pays for damaged belongings. Protection might cover everything from furniture to food in the pantry and computer systems.
Liability Coverage: If you accidentally harm someone else or damage their property, you can use this coverage to repay them. Coverage will often pay for incidents both on and off your property.
Still, because your home is unique, you can enhance your policy with numerous additional benefits like:
Policies are easily customized to fit all homes, including condominiums, high-value homes, rental properties, mobile homes and manufactured homes.
How far in advance can I buy home insurance?
If you plan to finance your home, you will most likely be required to buy homeowners insurance before you can close on the home. Most lenders institute coverage requirements for all mortgage holders. Still, regardless of requirement, you should have a quality plan in place from day one.
How much does home insurance cost?
There are numerous factors that can influence the cost of your home insurance. However, there are also numerous savings opportunities available, too.
All carrier plans and networks vary, which is why the policy that is most affordable for your neighbor might not be the most affordable one for you. That’s why when you let your insurance advocate at AJ Gambardella Insurance guide you through your policy search, you can rest assured that you will get the perfect policy solution right from the start.