Expert advice and local insights to help Connecticut residents and businesses make informed insurance decisions. From weather protection to regulatory updates, we cover what matters most to our community.
What Connecticut homeowners are paying in 2026, how much the Insurance Department has let rates rise since 2022, the October 2026 rate decreases, and the factors that actually move your premium.
How independent agents, captive agents and direct insurers differ in Connecticut, who each one suits, and the questions that tell you whether you are getting advice or just a price.
Short, direct answers to the questions Connecticut residents and business owners ask most about home, auto, flood, umbrella and commercial insurance, with links to our full guides.
Homeowners policies do not pay when a family wires closing funds to a criminal or a home network is held for ransom. What personal cyber coverage does, what it excludes, and how Connecticut families reduce the risk.
Family kidnap, ransom and extortion coverage pays for expert crisis response as much as for ransom. Who carries it, what it covers, and why some private-client homeowners policies already include a version of it.
When you tear down and build in Greenwich, Westport or on the shoreline, your homeowners policy stops fitting. How builder's risk works, who should buy it, and the gaps owners miss.
Homeowners policies treat wine as ordinary contents. How collectors in Connecticut insure a cellar against temperature failure, breakage and theft, and how valuation works.
Most art losses happen while works are moving, being framed or restored, or on loan. How Connecticut collectors keep coverage continuous outside the home.
Homeowners policies often exclude or limit horses, barns and boarding. How Connecticut horse owners in Greenwich, Ridgefield and Litchfield County structure coverage, and what the state's equine statutes do.
Personal umbrellas almost always exclude aircraft. How Connecticut families who own, share or charter private aircraft insure hull and liability, and why non-owned aircraft liability matters.
When a family needs $10 million to $100 million of personal liability, coverage is built in layers. How towers work, what exclusions to check, and why UM/UIM and board service need attention.
When a parent dies or a home sits empty for a sale, the existing homeowners policy can quietly stop protecting it. What executors and families in Connecticut should do in the first 30 days.
Raising a coastal home can lower NFIP and private flood premiums, but the project itself creates insurance gaps. What Connecticut shoreline owners should know before, during and after elevation.
The NFIP does not cover docks, piers or seawalls, and many homeowners policies exclude wave and flood damage to them. Where Connecticut waterfront owners find coverage, and how storm repairs are permitted.
The Connecticut FAIR Plan is the property insurer of last resort. Its $350,000 dwelling limit, named-peril coverage and exclusions make it a stopgap, especially for high-value and coastal homes.
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