Hartford Homeowners Insurance

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Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for TrustedChoice.com on a continuous basis and is here with the facts about all your insurance inquiries.

Hartford Connecticut homeowners insurance

Home to many insurance company headquarters, Hartford, CT, is named the "Insurance Capital of the World." It's one of the oldest cities in the US with quite a history. 

If you own a home in this 123,400 resident town, you'll want adequate protection. A local independent insurance agent can help you find the policy your home needs. Connect and get matched in minutes with the right agent. 

The Price of Home Insurance in Hartford, CT

Homeowners everywhere seem to compare their insurance premiums to others. Truth be told, this is a poor measure to determine if you're getting the best rate. Each policy is individualized to the house and person it insures, making the cost unique. To get a better idea of where your rates might fall, take a look at the averages:

  • National average: $1,211
  • Connecticut average: $1,479

Since your costs are customized to your specific criteria, your premiums may be higher or lower than the above figures. Carriers use numerous rating factors when pricing your policy. Let's see what the companies include:

  • The local crime rates
  • Your claims history 
  • Your credit score
  • Catastrophes in the area
  • The coverages you select 
  • The year, construction type, and square footage of your home
  • Discounts that may apply

Homeowners insurance is an essential policy and needs to be right the first time. When you're shopping for rates, use a local expert that cares. An independent agent can help find the price and policy to protect your biggest asset. 

Will Your Hartford, CT, Home Policy Cover Burglaries?

The more property crime that occurs in Hartford, the more expensive your insurance costs will be. Since the carriers use local crime rates to determine premiums, it's good to know your city. 

Burglary rates per 100,000 households:

  • The US average: 376
  • The Connecticut average: 222.5
  • The Hartford average: 491.4

If you're unsure whether your homeowners policy would respond to a break-in, speak with an agent. The majority of policies will cover theft, injury, vandalism, fire, and severe weather. Your Hartford independent agent can make sure your insurance responds accordingly. 

Liability Insurance Coverage and Your Hartford, CT, Home

A claim could occur at any moment, and when one does, your policy should be ready. The most common loss is liability coverage. Liability will protect the members of the household from a lawsuit. Let's look at what your liability insurance will cover:

  • If a person injures themselves on your property
  • If you or a member of your household is sued for a slanderous or libelous comment
  • If you cause damage to a person or property while away from home
  • If your dog causes injury or damage to another party

Additionally, umbrella insurance will supply another limit of liability over your home policy. This can further protect you from a more extensive claim. If any of these losses happen by accident or out of negligence, your home policy should respond. You'll want to go over your liability coverage with your agent. 


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Risk Exposures in Hartford, CT

There are plenty of catastrophic events that happen in Hartford, CT. A correctly written home policy will provide coverage for the area's risks. Let's take a look at the facts for Connecticut:

  • Number of federally declared catastrophes since 1953: 36
  • Most common disasters: Hurricanes
  • Number of tornadoes per year: 2
  • Homeowners claims paid in 2016: 536,638,000

When a property loss occurs, your home policy should respond to replace or repair damages.

The main homeowners policy coverage types:

  • Liability coverage: This offers protection from a lawsuit
  • Dwelling coverage: This offers protection for the replacement or repair of your home
  • Other structures coverage: This offers protection for the replacement or repair of detached structures
  • Personal property coverage: This offers protection for the replacement or repair of your personal belongings
  • Additional living expense coverage: This is coverage for a rental home when yours is unlivable due to a loss

Flood damage is an excluded coverage under your homeowners policy. For that, you'll need separate flood insurance to be adequately protected.

Flood Insurance for Your Hartford, CT, Home

Floods are the third most common risk in Hartford, CT. According to FEMA, an inch of water will result in a $25,000 loss. Take a look at how you can get flood insurance in Hartford:

#1   Get connected with a Hartford independent agent.

#2   Determine what flood zone your property is located in through your agent.

#3   Purchase flood insurance from the best option presented.

No matter if you live in a mobile home or a million-dollar mansion, flooding could happen to anyone. That's why it's so important to have flood insurance. Speak with your local independent agent to get the homeowners insurance protection you need.

Why Work with an Independent Agent in Hartford, CT?

A Hartford independent insurance agent works on your behalf and for free. They are an unbiased third party who can find you the right home insurance for a great price. 

Don't take a chance on the coverage when you're insuring your most significant investment. Connect with an independent agent on TrustedChoice.com today.

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