Homeowner's Insurance | Spectrum Insurance

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Homeowners Insurance

Home is where the heart is, which is all the more reason to protect it completely. Homeowner's insurance is a form of property insurance that covers losses and damages to your home and assets, which also provides liability coverage against accidents on your property.

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Let us impartially shop multiple top rated insurance companies, search out your best rates and create a customized quote that's just right for you. We'll also explain your coverage options, so there won't be any unpleasant surprises later.

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Coverage & Protection

Homeowners policies have different options and riders available which allow you to customize your policy to fit your specific situation. We'll help you sort through the right options for you, but some of the more common coverages include:

Personal Property

Covers the costs to repair or replace your personal belongings if damaged or destroyed in a covered event.

Sump Pump Coverage

Covers you if your sump pump fails or sewer/septic gets backed up. Many homes have septic systems in CT.

Dwelling Coverage

Covers the costs to repair or rebuild your home if it is damaged or destroyed in a covered event.

Loss of Use

Covers your increase in living expenses if your home is unlivable after a covered loss.

Personal Liability

Covers the costs to repair or replace your personal belongings if damaged or destroyed in a covered event.

Other Structures

Covers other structures on your property such as detached garage, sheds, driveways and fences.

Once you're covered, we make managing your insurance simple, because we'll be your direct contact for all your future needs, such as making a change to your coverage, getting more information, or filing a claim.