Home Insurance in West Hartford, CT

Find the Right Insurance Policy to Protect Your Home

Scoring As and Bs across the board for schools, housing, family living, safety, culture, and diversity, it's easy to see why more than 64,000 people call West Hartford, Connecticut home. The city is about 100 miles from Boston and 120 from New York City, making it a popular place for those who love large cities but prefer to live in a smaller community. Homes in the area range from about $200,000 to $1.5 million, with the median listing price being just under $365,000. Should you choose to buy a home in the area, you'll want to purchase home insurance in West Hartford, CT, that meets your needs.

Understanding how Home Insurance is Priced

One of the most common questions we get at VIU by HUB is how we price our insurance. The truth is that your rates vary depending on a variety of situations. We factor in your home's characteristics, where it's located, whether you have any protective devices, and several other situations to determine the cost of your insurance policy.

If your home is older and has old wiring, an old roof, or is made of flammable material like wood, it may cost more to insure. However, if you live in a safe neighborhood or close to the fire station, you could see savings. You may also see savings if your home is equipped with burglar alarms, smoke detectors, deadbolt locks, or other protective devices. Typically, you'll pay less if you have good credit or don't have a long history of making claims. Finally, non-smokers usually pay less as well.

Typically, we recommend that you purchase home insurance in West Hartford, CT that covers 80% of the replacement value of your home. This means that a $400,000 home should carry $320,000 in insurance.

What Your Home Insurance Policy Covers

If this is your first time buying home insurance in West Hartford, CT, you may not realize that your policy covers much more than the structure of your home itself. Do you have other outbuildings on your property, such as a detached garage, a shed, or even fencing? Your policy will cover damage to it as well.

The items in your home are protected, too. Fire, tornadoes, or other unexpected damage can leave you without your furniture, appliances, clothing, or even high-end art or electronics. Our policies cover your belongings up to a certain percentage, and we are always willing to help you find just the right add-on if you need additional coverage for fine jewelry or other high-priced items.

Your home insurance policy even protects you. Maybe your dog dug a hole in the yard that you didn't notice, and a friend or landscaper hurt themselves by stepping in it. Home insurance provides a certain amount of coverage for medical care for someone injured on your property. It also provides coverage if someone else's valuables, such as a vehicle, are damaged on your property. In some cases, such as if your dog bites someone while you're on a walk, your policy may even protect you when you aren't at home.

Depending on your circumstances, liability protection may be available as well. Do you employ a nanny or housekeeper? Perhaps you run a business out of your home. We can help you find a liability add-on for your home insurance that protects you in case someone decides to bring a case against you in a business-related situation.

This information is intended for general informational purposes only and is not intended to constitute legal advice.