Homeowners Insurance

Home Insurance, Condos & Renters

There are many things you need to consider when buying a home. It is usually a requirement of your mortgage banker to have homeowners insurance when purchasing a home. If you rent, your landlord’s liability insurance will not cover your personal property. Our agents will help you identify affordable coverage that keeps you, your home and belongings protected no matter where you reside.

Homeowners Insurance Basics

Insuring your home is a basic responsibility of home ownership. Typical homeowners insurance covers the building and other structures on the property against many potential perils that could strike: fire, hail, theft, vandalism and more depending on the type of coverage you choose. If one of these events should occur and you need to relocate while your home is repaired or replaced, your homeowners policy can cover those temporary expenses. The policy can also provide liability coverage if someone is hurt on your property or you or a family member causes injury elsewhere.

Homeowners policies do not include protection against floods or earthquakes, so let us help you determine whether a flood insurance policy is a wise investment based on the location of your home and other factors.

Historic Homes

Historic homes require a special kind of insurance. There are a number of historic homes and centuries-old estates that might require restorative home insurance that will replace like-kind and quality if you are looking to repair your historic home. Let us help you protect against the special risks associated with repairing damage that might occur to your unique property.

Condo Insurance

We frequently assist clients who live in condos to understand the difference between the master policy paid for by their condo association or homeowners association (HOA) and the insurance they need to protect their individual unit. Since they pay association fees, many condo owners think they are fully covered by the association’s policy. However, it is likely that the association policy only covers the building, recreational facilities, walkways, roof and other common areas and nothing within the individual unit’s walls. It is always worth confirming what is covered, and what is considered outside the boundaries of the association’s policy.

A condo insurance policy can protect you and your possessions, including appliances and improvements you have made to the unit. It can provide temporary housing and expenses if you need to move while repairs are made following a covered insurance claim.

Renters Insurance

If you rent an apartment or house, you will want to protect your possessions with renters insurance. Unlike homeowners insurance, renters insurance is not required, but it is an important coverage you do not want to be without. Some renters believe their landlord is responsible for insuring the property, and while that is true, the landlord’s policy does not cover your belongings, which is a common misconception of renters. If disaster strikes the premises – fire, theft, vandalism, or other perils outlined in the policy – your landlord’s insurance will not cover the replacement of your property.

Renters insurance is relatively low cost and if you bundle a renters policy with your auto insurance, you may save money on both with a multi-policy discount. Be sure to speak with one of our knowledgeable agents about bundling.

For more information read our blog, “Renter’s Insurance – Why It’s Worth It”

Contact Brooks, Todd & McNeil For Home Insurance Quotes

Contact our independent agents for a free insurance review and quote on your house, condo or apartment. We are conveniently located in the Connecticut towns of Torrington, South Windsor and Enfield and the South Carolina towns of Spartanburg and Mullins.

“Our house received some storm damage last week while we were out of town. When I returned and was able to survey the damage and take some pictures of it. I sent them to Kate Gusy at 7:18PM. Kate returned my email within hours. She forwarded my info to Tim Moran their adjuster. He called first thing the following morning. The fact that Kate and Tim reacted so promptly made me think that they positively provided the best customer service we have received from a service providing company.With employees like Kate and Tim I know we made the right decision in choosing Brooks, Todd and McNeil for our insurance needs.” — James Stefka
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