If you are a typical new homeowner, you are probably wondering exactly what your investment in home insurance in CT will get you. The answer is actually multi part because homeowners insurance provides so much for you – it is much more than just a protective measure for the exterior of your home. The main thing that most people think of when they consider home insurance is how it protects against most damages to the structure of the house. Home insurance does indeed do this, and the coverage is quite wide ranging. Damages to the home from environmental hazards, vandalism, and other causes are typically covered by your homeowners policy.
The interior of your home is also covered by your home insurance in CT. This means that all of your furniture, your personal possessions, and basically anything on your property is covered by your policy. Policy limits do exist, of course, so you should make sure to ask your insurance agent about a “rider” for extra coverage if you keep anything particularly valuable in your home. An example of this would be if you have a lot of valuable jewelry in your home. Many homeowners policies cover only up to a certain amount in jewelry losses, but you can get a higher amount of coverage through the rider. Normally, a rider is a fairly inexpensive add-on to the policy and is well worth doing if you have a lot of valuables that you want to cover.
If you have any other structures on your property, for example a barn or a gardening shed, these structures will also be covered as they are part of your property. The contents of these structures will similarly be covered. If you keep anything on your property like lawnmowers, garden tools, or home maintenance items they will usually be covered as well. Normally you will need to cover any vehicles on property under a separate policy, so be sure to ask your insurance agent about any vehicles you plan to store on property.
Your homeowners policy will also provide you with personal liability insurance, which protects you in case anyone is hurt or sustains some type of damage on your property. You can click here to learn more about the benefits of having home insurance in Connecticut.
