Category Putnam Connecticut homeowners insurance

What Does Home Insurance Actually Cover?

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Home insurance in ct has many different aspects, so you should take an adequate amount of time to understand your policy before you make the final purchase. Contrary to popular belief, home insurance provides four primary types of coverage. If you have ever wondered about the type of coverage a home insurance policy offers, take a look at the information below.
Common Types of Coverage

Here are the following types of coverage you can expect to receive from your policy.

  •  Liability: If another person’s property is damage at your home, your policy will provide a limited amount of coverage.
  •  Additional Structures: Structures such as barns, swimming pools, and decks will usually be covered by your home insurance in ct.
  •  Contents: The property inside of your home will be covered in the event of a burglary, fire, or natural disaster.
  •  Use: If the inhabitants of the property cannot reside on the property, the policy will pay for another residence until the current property is repaired or replaced.

These are the most common types of coverage offered by home insurance policies, but you should still take the time to examine your individual policy.

Contact a Professional Agency

Finding the right policy is necessary if you want to protect your home. A professional agency will be able to help you find and select the right one. Just remember to ask specific questions about coverage during the consultation process.

What Homeowners Need to Know About Liability

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Putnam Connecticut homeowners insurance

Customers shopping for Putnam Connecticut homeowners insurance frequently come across references to liability. This term can refer to a few different things in relation to the insurance market so it is important that customers have some familiarity with the word and what it means to them. This information can make selecting the right policy a whole lot simpler.


Liability Limits and Available Coverage


With regards to Putnam Connecticut homeowners insurance, liability is generally reckoned as a dollar amount. This liability limit is the maximum amount that a policy will pay once certain conditions have been met. A homeowner may need to meet a certain deductible before the liability limit will go into effect; these terms are spelled out in the policy itself.


The lines of coverage available through any given insurance policy typically have a set amount of available coverage. If a customer desires more coverage then an excess liability policy may need to be purchased in addition to the standard policy.


What Liability Includes


The total amount of liability includes the expenses of several concerns, including:


  • Personal belongings
  • Structure of the home
  • Garage, storage sheds, and other detached structures
  • Replacement cost of the home
  • Cost of living away from home during structure restoration


If you want to know more about liability limits and what types of coverage are available through your Putnam Connecticut homeowners insurance policy, simply speak with a representative from your insurance company.