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Connecticut Medical Insurance Corp
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Connecticut Medical Insurance Corp
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Home Owners Insurance in Glastonbury, CT

How to get discounts on homeowners insurance?

The simplest way to get a discount is to bundle your policies with a single insurance agent. Local insurance agents typically have multiple carrier partnerships and can find you the best deal while bundling. Bundling does not always mean you will have multiple policies with a single insurance carrier. Here is an example where your agent at our agency Connecticut Medical Insurance Corp can help you consolidate, bundle and figure out how to save you money overall –
  1. Personal Auto with Progressive
  2. Home Insurance with Travelers
  3. Umbrella (typically with the Auto Insurance carrier) with Progressive
  4. Boat Insurance with SkiSafe
  5. Business Insurance with Hartford

What are the common exclusions on a homeowner’s insurance policy?

In general, negligence is not covered by any type of insurance policy – but here are some common exclusions for the home owner to be aware of -
  1. Earthquake Insurance (including ground movements, sinkholes, etc)- in earthquake states you are explicitly asked to sign an earthquake insurance waiver. Alternatively you can get earthquake insurance (normally from a different insurer)
  2. Flood damage – the typical home insurance policy does not cover flood damage – you will need a separate flood insurance policy for that.
  3. Mold damage is normally covered only if you had a recent plumbing leak and you take action quickly.
  4. Infestations – insect and vermin infestation (pests) are not covered.
  5. Dangerous Dogs – you are asked about your pets when applying for a home insurance policy specifically because many carriers do not cover a situation where your dog bites a neighbor. In fact, you may not get coverage if you have a dangerous dog; or you may pay a higher premium. Dog bite insurance claims are well over a quarter of all home insurance claims, so insurers are increasingly careful about insuring dangerous pet owners.
  6. To learn more from our experts in the Glastonbury, CT and surrounding areas, get in touch with us.

What is homeowners insurance?

An insurance policy for your home normally has at the very minimum fire and casualty coverages – that’s dwelling (property) and valuables coverage for the value (and valuables) of your home/property. It covers the cost of replacing part or all of the property that was damaged through fire or some casualty (through no negligence of you or anyone living there at the time). With a coverage limit based on what is stated in the policy. Higher coverage limits normally cost more money. There are additional coverages such as flood, earthquake and other local specific coverages that can be obtained. Our agents are well versed in the nuances of home owners insurance in the Glastonbury, CT area.

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Connecticut Medical Insurance Corp has other insurance programs like Auto Insurance in Glastonbury, CT.