Homeowners Insurance

It’s not just an asset or financial investment, it’s your home. Are you sure your homeowners insurance protects it?

As an independent insurance provider, what makes Standard Insurance Agency so competitive is our ability to work with a number of different insurance companies to find you the best rate for the insurance coverage your home needs. However, it’s what makes us so popular that gives us our real advantage: personalized service from your dedicated agent. That’s right, we are a Connecticut business with Connecticut agents doing business right here in our home state. We are in touch with what’s going on here and we are always ready to respond to your needs. We work through the toughest of times right along side you, ready to help guide you through choosing coverage, payment options or processing a claim.

What’s Covered by Homeowners Insurance

Depending on the policy and level of coverage you choose, a Connecticut homeowners insurance policy can cover issues like:

WHAT'S COVERED

Damages to your home’s physical structure
Damages to outbuildings like garages and sheds
Damages to furniture, appliances and fixtures
Your personal belongings, whether they are home or elsewhere
Temporary living expenses in case your home becomes uninhabitable do to a covered loss
Your personal liability in the event someone is injured or their property is damaged
Hurricane damage

WHAT'S NOT COVERED

Flood

Although flooding is not covered by your homeowners policy. If you are interested in flood insurance we offer it through the National Flood Insurance Program.

If your home is a condominium we also offer condo coverage that will fit your unique insurance needs.

Get the protection you need at a price you can afford. Call or request a quote for Homeowners Insurance from Standard Insurance Agency today.

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Myth #1:	The insurance companies that advertise that they “cut out the middle man” have the lowest insurance rates.
Fact:	The insurance companies who “cut out the middle man”, spend huge amounts of money on advertising. And guess what, they still have to pay their sales force and customer service staff. By shopping the market for you, we almost always beat the pricing offered by the insurance companies who “cut out the middle man”.

Myth #2:	Home and auto insurance prices are pretty much all the same.
Fact:	While there may have been some truth to this in the past, it is not true at all today. In the old days, most insurance companies based homeowners pricing on the value of your home, the town it was located in, and some basic characteristics of the house. On auto they looked at the type of cars, the age of the driver and motor vehicle records. Today, most insurance companies base their pricing on computerized models that look at a great number of variables. They now understand that the people who live in the house and drive the cars are as important as or more important than the house or the cars themselves when it comes to predicating losses and rating policies. Since these models have different assumptions, they can create very large price differentials between companies. Sometimes as much as 50% or more! The only way to find whether you are overpaying for your insurance is to have an insurance professional shop the market to compare rates for you.

Myth #3:	My insurance company has unique features that other companies do not have.
Fact:	Insurance is a very regulated business. Almost all policies must be approved by the Connecticut Insurance Department. The overwhelming majority of companies use standard forms developed by ISO. For example, most homeowners policies are written using a HO3 form. However, companies then offer coverage options and upgrades that require careful review with an insurance professional. Your company is almost certainly not unique in being able to offer specific or additional coverage.

Myth #4:	My insurance company is uniquely good. I had a $5000 claim 5 years ago and they paid it – no questions asked.
Fact:	There are many good insurance companies out there. Almost any top-rated carrier has excellent claims processing. However, many people are surprised when their insurance company actually pays a claim. But if you think how much you have paid into an insurance company (let’s say $3, 000 a year for 10 years), you should not be so surprised that they happily paid you $5,000 to cover a claim.

Myth #5:	My insurance company is great. I had a claim, and they didn’t cancel me!
Fact:	Any good insurance company has a lot of flexibility when dealing with claims. The type and number of losses you have experienced is only part of what they look at. Remember most people experience a loss of some type over their life a good company knows that.

Myth #6:	I’m sure I am getting a good rate on my insurance. It was the best I could find a few years ago and it hasn’t changed much since then.
Fact:	The only way to be sure you aren’t paying more than you should be is to have an insurance professional discuss your insurance needs, analyze your existing policies, and shop the market for the best value available to you. You should go through this process at least once every 2 or 3 years. Rating variable change and companies adjust rates all the time.

Myth #7:	Changing insurance companies is a difficult and time consuming process.
Fact:	If you work with a knowledgeable insurance professional the process is actually very easy. It only takes a few minutes to gather the data needed to shop your insurance for you. If you like the price and company we find for you it’s as easy as reviewing and signing the applications.