The state of Connecticut is an amazing place to live. There is so much to do and see that many people call it home. Like every other state homeowner’s will have a need to own a homeowner's insurance policy. But depending on the type of home you own will determine what kind of policy you should buy. Here are the different types of insurance that you can buy depending on your living conditions.
Understanding Homeowners Insurance in Connecticut
When owning a home or renting one you will need to have the right kind of insurance product to protect your living conditions from the various perils that can cause financial ruin. There are four main types of homeowner products that you can buy in Connecticut.
- A regular homeowner's policy will protect the structure, your personal belongings and provide a place to live in case you cannot stay in the home while it is being repaired. This policy is reserved for homeowners that have purchased the structure and live within its walls.
- A renter’s policy is a product you can buy to protect your personal belongings. This policy is bought by a person that is renting a home or apartment that is owned by someone else. It does not protect the dwelling structure in any way.
- The landlord's policy is a type of home product reserved for property owners that rent the dwelling to another person. It protects the dwelling and a limited amount of personal property such as appliances and other furnishing left in the home.
- A condo policy is for a condo owner that lives at the dwelling. The home has to be classified as a condo. This type of product protects a person's personal items and the interior part of the condo.
As a homeowner, there is no reason for you not to be protected. At Max Sadlak Agency, we want to help you with your insurance needs. So call us today and put us to work for you.