Let us take care of you
Let us take care of you
Connecticut is known for its diverse and breathtaking scenery. Whether you live near the stunning coastline along Long Island Sound, or in the calm and cozy countryside of Hartford, keeping your home safe with Homeowners Insurance is a smart choice.
While it may not be mandatory, having Homeowners Insurance in Connecticut could be required by your lender, serving as a valuable contingency plan for your protection. Connecticut’s seasons, as vibrant as they are, sometimes mean very cold and snowy winters that could lead to frozen pipes or roof collapse due to heavy snow. At PSIC we’ve got you covered and we’re ready to help you find peace of mind.
Explore the fundamental layers of protection provided by Homeowner Insurance in Connecticut.
Covers repair or rebuilding costs for your home due to theft, windstorms, fire, and fallen trees.
Protects detached structures like garages, storerooms, and workspaces.
Covers legal expenses if you’re held responsible for injury or property damage to others.
Provides financial assistance if your home becomes uninhabitable and you need alternative accommodation.
Covers medical expenses if someone is injured on your property and you’re held responsible.
Protects your belongings, such as furniture, electronics, and clothing, from covered events.
Dwelling
Protects the main structure of your home. We’re here to provide financial assistance in the event of a covered loss or damage that needs repair or rebuilding.
Additional structures
Get your storeroom, workspace, garage, or other detached structure safe and secure.
Personal property
Safeguards your valuable possessions including furniture, electronics, and clothing in the event of a covered loss.
Loss of use
Protects you in case your house is damaged and you need to move to a different place while it’s being repaired.
Personal liability
Covers legal expenses when found responsible for causing bodily injury or property damage to others.
Medical payment
Covers the medical expenses in the event someone gets hurt and you’re responsible for it.
Customize it according to your needs
Level up your Landlord Insurance game with these optional coverages!
Extend your dwelling protection and get higher coverage for your main building, detached structures, or both in case it needs repair or rebuilding.
Safeguard against damage or malfunction of home systems and appliances like broken fridges, televisions, or HVAC systems.
Get support and resources for recovering personal and financial information in the event it’s compromised and needs recovery.
Cover the expenses coming from current building code standards in the event of a covered loss.
In the beautiful state of Connecticut, homeowners must be prepared for the unique risks that come with its charming landscapes and ever-changing seasons. At PSIC, we are committed to providing Homeowners Insurance coverage that safeguards you from common risks like powerful windstorms, devastating ice storms, or flooding threats. These events can be unpredictable and have the potential to cause significant damage.
While our standard Homeowners Insurance policy protects you against windstorms and ice storms, at PSIC we offer specific coverage to common perils of Flood Insurance to provide a more reliable protection.
Understanding factors that will affect your Homeowners Insurance cost, alongside with choosing ideal add-ons, will help you have a more comprehensive coverage. In other words, finding the best protection for your home.
Certain cities and zip codes play a huge role in your Homeowners Insurance cost. If your neighborhood has a higher risk rate for weather damage, or maybe a higher claims history due to crime, your premiums might be more expensive.
Old homes, as unique as they are, are associated with higher risks of damage due to old plumbing, electrical, wiring, and other connections. By renovating your home's installations, you can reduce the cost of the policy.
Striking a balance between cost and coverage is key. Opting for a higher deductible could result in lower premiums, yet it’s important to be prepared for higher out-of-pocket costs when making a claim.
The age, condition, shape, and construction materials of your roof are directly related to your Homeowners Insurance cost. Moreover, Connecticut winters mean snow, and all that weight on your roof can put some serious strain on it. That's why having a sturdy roof in good shape is vital.
A clean record reflects responsible stewardship, often leading to reduced insurance premiums. Conversely, a history of frequent claims may indicate a higher risk profile, potentially resulting in increased insurance expenses in the Constitution State.
The construction type of your house directly influences the price of your Homeowners Insurance, as materials and methods used in construction impact the home's vulnerability to various perils, affecting the risk profile and therefore the premium cost.
Having the best Homeowners Insurance in Connecticut doesn’t mean it has to be expensive. Find out which options you can choose to make it more affordable while keeping it safe.
Have 2 active policies with us? Bundle them up and save big!
Embrace the retired lifestyle and enjoy lower premiums by living in a retirement community.
Enjoy a special price if you reside in a permanently locked gated community with on-site security personnel.
Keep your home safe and enjoy a special price by protecting it with a burglar alarm, sprinkler system, fire alarm, or central system.
If you implement wind-resistant features that make your home more reliable, like hurricane shutters, reinforced doors, or impact-resistant windows, we’ve got some discounts for you!
If you upgrade your roof to a hail-resistant one, choose one with stylish tiles, or if you want to go even safer and get a brand new one, we’ve got some sweet savings for you.
Celebrate your zero-claims stellar record with a well-deserved discount on your premium!
Go paperless, hassle-free, and wallet-friendly. Choose our e-delivery option and watch the savings roll in!
We know Homeowners Insurance could feel a bit overwhelming. That’s why we diversified key information to help you understand and choose the right protection.
Homeowners Insurance
Gives you a general view of the product.
Homeowners Discounts
Shows how you can save money on your policy.
Homeowners Explained
Deep dives into the details of the insurance.
Homeowners Insurance Cost
Details a list of features that can help you reduce the cost of your policy.
Homeowners Coverage
Explains the available customization options.
Learn about insurance coverage, safety tips, money-saving options, do’s & don’ts, news, and much more in the resources section.
Check out more coverage options available in Connecticut!
With more than 40 years of trajectory, we have the expertise to accompany you in every stage of your life.
Customer support: 800-303-5000
Claims support: 800-962-1172
5515 E. La Palma Ave. Ste. 150, Anaheim, CA 92807
Copyright © 2023 McGraw Insurance Services, L.P., Delaware L.P., 5515 E. La Palma Ave. Ste. 150, Anaheim, CA 92807, License 0K06900 / National Producer No. 17486061 The insurance policy, not the contents of this website, forms the contract between the insured and the insurance company. The policy may contain limits, exclusions and limitations that are not detailed on this website. Coverage may differ by state.
