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Homeowners Insurance Connecticut

Begin your home protection journey today

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.

Homeowners Insurance Coverages in Connecticut

Explore the fundamental layers of protection provided by Homeowner Insurance in Connecticut.

Dwelling

Covers repair or rebuilding costs for your home due to theft, windstorms, fire, and fallen trees.

Additional structures

Protects detached structures like garages, storerooms, and workspaces.

Personal liability

Covers legal expenses if you’re held responsible for injury or property damage to others.

Loss of use

Provides financial assistance if your home becomes uninhabitable and you need alternative accommodation.

Medical payment

Covers medical expenses if someone is injured on your property and you’re held responsible. 

Personal property

Protects your belongings, such as furniture, electronics, and clothing, from covered events. 

Customize it according to your needs

Level up your Landlord Insurance game with these optional coverages!

Increased dwelling

Extend your dwelling protection and get higher coverage for your main building, detached structures, or both in case it needs repair or rebuilding.

Equipment breakdown

Safeguard against damage or malfunction of home systems and appliances like broken fridges, televisions, or HVAC systems.

Identity theft

Get support and resources for recovering personal and financial information in the event it’s compromised and needs recovery.

Ordinance or law

Cover the expenses coming from current building code standards in the event of a covered loss.  

 

Common Risks

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.

How Much is Homeowners Insurance in Connecticut

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.

Save Money on Insurance

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.

Bundle and save

Have 2 active policies with us? Bundle them up and save big!

Senior citizen discount

Embrace the retired lifestyle and enjoy lower premiums by living in a retirement community

Gated community discount

Enjoy a special price if you reside in a permanently locked gated community with on-site security personnel.

Security system discount

Keep your home safe and enjoy a special price by protecting it with a burglar alarm, sprinkler system, fire alarm, or central system.

Windstorm mitigation discount

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!

Roofing discount

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.

Claims-free discount

Celebrate your zero-claims stellar record with a well-deserved discount on your premium!

E-delivery discount

Go paperless, hassle-free, and wallet-friendly. Choose our e-delivery option and watch the savings roll in!

It’s All About Insurance!

Learn about insurance coverage, safety tips, money-saving options, do’s & don’ts, news, and much more in the resources section.

Safety Tips for Dog Owners

Pets become cherished members of our family, but it’s crucial to recognize that they have unique needs and can behave unpredictably at times. Therefore, it’s important to take proper precautions to protect them and also ensure the safety of those around them. Let’s go over some tips to make this happen.

Blog

10 Sep 2024
5 min read

Blog

Advantages of Living in a Gated Community

From enhanced safety and privacy to a strong sense of belonging, living in a gated community offers a wider range of benefits than traditional neighborhoods do. Discover the numerous advantages that come with this lifestyle, we’ll address common questions and provide insights into the advantages of this experience.

Blog

10 Sep 2024
4 min read

Blog

Which Dwelling Fire Policy to Choose?

There isn’t a right or wrong choice of coverage, all it has to do is fit your needs. DP1 Insurance provides basic protection of your property from a detailed list of perils, DP3 Insurance offers a broader scope of coverage, except for a few perils, also mentioned in your policy.

FAQ

FAQ

What is DP3 Insurance?

DP3 Insurance, also known as Special Dwelling Insurance or Open Peril Insurance, is a protective buffer for your rented, primary owner occupied or seasonal property. It’s specifically designed to keep your home and assets safe with an open peril policy, covering a wide scope of potential risks, with a few exceptions.

FAQ

FAQ

Get Fully Protected

Check out more coverage options available in Connecticut!

Privacy Notice at Collection for CA employees

Last updated: June 27, 2023

  1. About this Notice. This privacy notice sets out how The McGraw Group of Affiliated Companies collects and uses personal information about you in compliance with our obligations under the California Consumer Privacy Act of 2018 (CCPA), as amended by the California Privacy Rights Act of 2020 (CPRA). This Notice supplements all other privacy policies we have in place.

We take the privacy of our employees and applicants very seriously. Please read this notice carefully as it contains important information on the personal information that we collect, why we collect it, how long we keep it, and that it is not sold to third parties.

  1. Key Terms. The following key terms are used in this notice:
  • We, us, our. The McGraw Group of Affiliated Companies.
  • Personal information. Any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked with a particular individual.
  • Sensitive personal information. Personal information revealing an individual’s social security number, driver’s license and passport numbers, account numbers and credentials, precise geolocation, racial or ethnic origin, religious beliefs, or union membership, personal information concerning a consumer’s health, sex life, or sexual orientation, contents of a consumer’s mail, email and text messages where the business is not the intended recipient, genetic data, and biometric information.
  • Biometric Information. An individual’s physiological, biological, or behavioral characteristics, including information pertaining to an individual’s deoxyribonucleic acid (DNA), that is used or is intended to be used singly or in combination with each other or with other identifying data, to establish individual identity. Biometric information includes, but is not limited to, imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data that contain identifying information.

Other terms used but not defined will have the meaning set forth in the CCPA, as amended by the CPRA, Cal. Civ. Code §§ 1798.100—1798.199.100, and accompanying regulations set forth under Cal. Code Regs. tit. 11, § 7000 et seq.

  1. Personal Information We Collect About You. We may collect and use the following categories of personal information about you:

Categories of Personal Information Collected

  • Identifiers: Name, alias, postal address, email address, phone number, account name, social security number, driver’s license number, passport number, or other similar identifiers.
  • Employment-related information such as your job title, salary, benefits information, emergency contact information, references, qualifications, skills and experience.
  • Personal information as defined in Customer Records law: Name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, education, professional license number employment history, bank account number, other financial information, medical information, and/or health insurance information.
  • Characteristics of protected classifications under California or federal law such as race, age, sex, familial status, and disability.
  • Audio, electronic, visual, or similar information such as photographs and call recordings
  • Background check information such as your criminal and credit history
  • Inferences are not drawn from any of the information identified above to create a profile reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
  1. How and Why We Use Your Personal Information. We use your personal information for the following purposes:

Purposes for Collecting and Using Your Personal Information

Managing Human Resource Functions:

  • Recruiting, hiring, and onboarding
  • Performing background checks
  • Implementing diversity and inclusion initiatives
  • Training and career development
  • Assessing performance
  • Determining promotions, transfers, salary, awards, and bonuses
  • Managing disciplinary matters
  • Managing payroll and business expenses
  • Administering leave requests
  • Employee communications
  • Administration of benefits
  • Promoting employee health and safety

Conducting business operations:

  • Budgeting
  • Recordkeeping and reporting requirements
  • Managing infrastructure and company assets
  • Strategic planning
  • Maintaining security and risk management
  • Emergency response and business continuity
  • Conducting audits
  • Pursuing or defending legal or administrative claims

Monitoring:

  • Compliance
  • Use of company resources
  • Any other monitoring activities permitted by applicable laws

Compliance with:

  • Legal and regulatory obligations
  • Court or other government directives
  • Internal policies and procedures

Investigating:

  • Reports of wrongdoing
  • Policy violations
  • Internal complaints
  1. Whether Personal Information Will Be Sold or Shared. We do not sell or share the personal information of employees.
  2. How Long Your Personal Information Will Be Kept. We will keep your personal information for as long as is necessary while you are employed by us. Thereafter, we will keep your personal information:
  • To respond to any questions, complaints or claims made by you or on your behalf or;
  • To keep records required by law. In California, this is currently and generally a minimum of four (4) years.

We will not retain your personal information for longer than necessary for the purposes set out in this notice. Different retention periods apply for different types of personal information.

When it is no longer necessary to retain your personal information, we will delete or anonymize it.

  1. If you have any questions or concerns about this notice or the information we collect about you, please contact send an email to privacy@pacificspecialty.com.