Connecticut Homeowners Insurance
Ways You Can Save on Homeowners Insurance
1
Bundle Discounts
Combine your home, auto, or even life insurance policies for significant savings.
2
Home Security Discounts
Installing a security system not only gives you peace of mind but can also reduce your premiums.
3
Higher Deductibles
Choosing a higher deductible can lower your premiums, as long as you’re prepared to cover it if needed.
Some of Our Coverage Options for Connecticut Homeowners
Protect your belongings from damage or loss due to a covered event, such as fire or theft.
Personal Property
Covers repair or rebuilding costs if your home is damaged or destroyed by a covered event like storms or fires.
Dwelling Coverage
Essential for many Connecticut homes with sump pumps or septic systems, this coverage protects against pump failures and backups.
Sump Pump & Water Backup
Protects you financially if someone is injured on your property and you’re found liable.
Personal Liability
Why CT Homeowners Trust Spectrum Insurance
1
Personalized service
Friendly, knowledgeable agents who put your needs first.
2
25+ Carriers
Access to multiple insurers means better rates and more options for you.
3
Expert Guidance
We break down every detail, so you’re always informed.
Protect your biggest investment with Spectrum Insurance – your local Connecticut agency for homeowners insurance.
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Homeowners Insurance FAQs
Still Have Questions About Homeowners Insurance? Check out some of our most FAQs or contact us directly!
Is homeowners insurance required in Connecticut?
Legally, no—but if you have a mortgage, your lender will likely require it. Even if it’s not required, having homeowners insurance is crucial to protect your home and finances from unexpected disasters.
What does homeowners insurance cover?
Homeowners insurance typically covers:
- Dwelling Coverage – Repairs or rebuilds your home after fire, storms, or other covered events.
- Personal Property – Protects your belongings from theft, fire, or certain disasters.
- Liability Protection – Covers legal expenses if someone is injured on your property.
- Additional Living Expenses (ALE) – Pays for hotel and food costs if your home becomes uninhabitable.
Bonus: Some policies also cover detached structures like garages, fences, and sheds.
How much homeowners insurance do I need?
You should have enough coverage to:
- Rebuild your home at current construction costs.
- Replace your belongings if they’re damaged or stolen.
- Cover liability claims if someone is injured on your property.
A Spectrum Insurance agent can help you calculate the right amount!
Does homeowners insurance cover flooding?
No! Standard homeowners insurance does NOT cover flood damage. You’ll need a separate flood insurance policy for protection.
How much does homeowners insurance cost?
The cost varies based on:
- Your home’s location (risk of storms, crime, etc.)
- The size and value of your home
- The coverage limits you choose
- Your claims history and credit score
Pro Tip: Bundling with auto insurance can help you save up to 25%!
Does homeowners insurance cover roof damage?
It depends on the cause of the damage:
- Yes – If damage is from a covered event (hail, wind, fire).
- No – If it’s from wear and tear or neglect.
If your roof is old, it might only qualify for partial reimbursement.
Can I change my homeowners insurance policy anytime?
Yes! You can adjust your coverage at any time to increase protection, update your policy, or switch providers. If you find a better rate, we’ll help you seamlessly switch with no coverage gaps!
Does homeowners insurance cover appliances and HVAC systems?
Standard policies cover appliances if they’re damaged by a covered event like fire or lightning.
It does NOT cover breakdowns due to wear and tear. For that, you may need home warranty coverage.
Does Spectrum Insurance help compare homeowners policies from multiple providers?
Absolutely! We work with top insurance carriers to find you the best homeowners insurance rates in Connecticut. Instead of shopping around, let us do the work for you—saving you time and money!
