Shopping for home and car insurance may not be something you look forward to, but in today’s society, insurance is a necessary evil. Most mortgages require homeowner’s insurance, and most states in the US also require minimal auto insurance. Beyond the simple legality aspect of it, however, you want to carry home and car insurance to protect you and your family in case of emergency. For this reason, when you need home insurance in CT or auto insurance in CT, you need someone you can trust. Someone who’s in your hometown and understands the daily needs of a family. Here at Scott Insurance, we’re family owned and have been in business for decades. As opposed to large insurance companies who have agents that work in phone banks, our offices are right here, always willing to help you understand your insurance. Should it come time to file a claim, you want the best.
Homeowner’s insurance can help protect your investment in the event of many different types of emergencies, from natural disasters to theft and burglary. Different policies have different clauses, however, and instead of signing a confusing insurance contract, we’re here to walk you through every step of purchasing homeowner’s insurance. Your home is your largest investment, and you do want to make sure you’re well-protected, but also as economically as possible. We can help you do that.
When it comes to car insurance, we can find you the most economical choice to your benefit as well. We’ll go over and review comprehensive, liability, and collision insurances, making sure that you understand each type and how it can benefit you. We’ll find you the best rate for your family and your budget.
Scott Insurance Is Your Full-Service CT Insurance Provider
People don’t often look forward to buying insurance, whether it’s for your home, car, or a different type of insurance, such as renter’s, liability, or life insurance. Getting multiple quotes and figuring out just what you need for coverage can be a hassle. Larger corporations may offer promises of saving money for switching over, but when you’re connected to an agent who’s thousands of miles away, you may not always be sure of what you’re getting.
Here at Scott Insurance, we’ve been serving Stratford and the surrounding areas since 1949. Happy to be your local, hometown insurance company, our office is right here with any needs and questions you have concerning policies. And, we’re only a phone call away. With the ability to cover all of your insurance needs here in CT, we are the agents to call.
If you’re having trouble understanding what you need when it comes to auto and home insurance in CT, our agents are glad to help iron out the wrinkles. Always with your best needs in mind, we can help you decide what kind of coverage you need, while saving you money at the same time.
If you’re in the market for CT life insurance, or other insurances such as liability, marine insurance, or renter’s insurance, we can help as well. In fact, we can bundle all of your insurance policies into one low monthly payment, so you don’t have multiple bills to pay to different companies on different days. Convenience is key.
If you need help streamlining your insurance options, or simply just want better insurance at a lower rate, call Scott Insurance today at 203-375-5847 or contact us through the secure web form with any questions you may have.
Purchasing Homeowners Insurance
When purchasing homeowners insurance, it is important to concentrate on the physical dwelling. More than your possessions, living expenses, and liability, your primary focus should be purchasing sufficient coverage to replace your home in the event of a named peril. When calculating the coverage amount, do not base it on your home’s appraised value, which includes land costs. Instead, use the current per-square-foot replacement costs in your area, which can be provided by the local homebuilders association. In light of recent catastrophic events, which may lead to inflated labor and material costs, consider extended or guaranteed replacement policies if you live in a disaster-prone area. It is also important to know what perils are included in your policy.
NOTE: Standard homeowners policies exclude damage resulting from earthquakes and landslides as well as flooding.Read More
Will Your Homeowner’s Insurance Cover a Leak?
According to the Insurance Information Institute, most sewer system backups are not covered under a standard homeowners insurance policy. The typical homeowners policy will cover the damage resulting from a burst pipe or washing machine hose. It will also cover the rain damage that results when a hurricane lifts the roof off a house and lets the rain in. However, if a sewer or drain backs up, homeowners are only covered if they have a special endorsement. Moreover, if a home endures damage as a result of a rise in the outside water level (which includes rain runoff, storm surges, or overflowing rivers), homeowners policies provide no coverage. For this, homeowners must turn to flood insurance, a government-backed policy.
NOTE: Homeowners are responsible for the maintenance and repair of their main sewer line, which is the pipeline that runs between their house and the municipality’s sewer main.Read More
Learning About Exclusions
An insurance policy’s section on exclusions lets the policyholder know exactly what areas are specifically not covered by his or her insurance contract. Exclusions do not take anything away from the policyholder because the insurance company certainly does not charge a premium for coverage that it does not provide. In fact, exclusions eliminate exposures that the insurance company could not insure without charging prohibitive amounts of money. By taking careful notice of exclusions, policyholders can use the information to their advantage by avoiding gaps in coverage and purchasing additional protection. For instance, homeowners who astutely recognize the earthquake exclusion in their homeowner’s coverage can then obtain earthquake coverage through an earthquake endorsement.
NOTE: Common life insurance policy exclusions include acts of war, suicide, and engaging in certain dangerous activities.Read More