Personal Insurance

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.

Families with a Connecticut primary residence and homes in Florida, on the Cape and Islands, or in New York face different markets, deductibles and liability rules in each. How to keep one coherent program.

Collector-car policies restrict mileage and use; standard auto policies undervalue and under-repair exotic cars. How Connecticut owners insure a daily-driven Porsche, Ferrari, Lamborghini or high-end EV.

Owned rooftop solar is usually covered as part of the house, but leased systems, ground mounts, batteries and roof leaks raise questions. What Connecticut homeowners should check.

Connecticut has thousands of 18th- and 19th-century homes. Why rebuilding them costs far more than market value suggests, how local historic district rules affect a claim, and what coverage to insist on.

A tented wedding or fundraiser on your property puts hundreds of guests, vendors and alcohol under your liability. What your homeowners policy covers, when to buy special event coverage, and what to require from vendors.

Personal auto policies in Connecticut usually exclude driving for hire and food delivery. Here is where rideshare company coverage starts and stops, the delivery-app gap, and how rental cars are handled.

Renters insurance in Connecticut typically costs about $10 to $16 a month. What it covers, why your landlord's policy does not protect your belongings, and what students and roommates should know.

Renting your Connecticut home, cottage or ADU on Airbnb or Vrbo usually falls outside a standard homeowners policy. How platform protections work, town licensing, the 15% occupancy tax, and the right coverage.

Why a standard Connecticut auto policy can leave a gap between what a totaled car is worth and what is still owed on it, and where gap coverage fits in.

A growing number of Connecticut homeowners are getting non-renewed after a carrier reviews an aerial or satellite photo of their roof. State regulators have already ruled on how far that practice can go.

Connecticut law gives you 60 days after a non-renewal notice before coverage actually ends. Here is what the notice can and cannot say, what the FAIR Plan actually covers, and how to use the window.

A new state-mandated notice is now landing in Connecticut homeowners and renters renewal packets, stating in plain language that flood is not covered. Here is what triggered it and what to do about it.

A percentage hurricane deductible on a multi-million-dollar Connecticut shoreline home is a six-figure number most owners have never actually computed. Here is exactly when it applies, how much, and where.

Chubb, PURE, Cincinnati, Berkley One, and Private Client Select are not interchangeable. A structural comparison of how each is organized, how each handles valuation and claims, and what that actually means for a Connecticut estate.

A leaking heating oil tank in Connecticut makes you legally responsible for the cleanup — including on your neighbor's property — and not every homeowners policy responds. What the state requires and what to check before it happens.

The National Flood Insurance Program's authority to write new policies expires at midnight on September 30, 2026. Here is what actually happens to a Connecticut closing if Congress does not act before then — and what does not.

As of July 1, 2026, Connecticut sellers must disclose flood zone, flood history, and current flood coverage on the residential property condition report. Here is what that means for your sale and your buyer's insurance.

A failed sump pump or a backed-up sewer line is one of the most common reasons a Connecticut homeowners claim gets denied — and the reason is written plainly into the policy exclusions, not hidden in fine print.

A collector car titled to Connecticut's Early American plate is not just a registration choice — it is a signal that your standard auto policy is settling the vehicle on the wrong basis entirely.

If you employ a nanny, estate manager, or household staff, your standard personal umbrella policy almost certainly excludes claims they might bring against you as an employer. Here is the coverage gap and how it gets closed.

Your condo association's master policy does not cover as much as most owners assume, and when it falls short, the difference gets billed back to every unit owner as a common expense. Here is where your own HO-6 policy needs to pick up the rest.

Umbrella limits are usually set by habit rather than analysis. Here is what an umbrella sits above, how underlying-limit requirements create hidden gaps, and how to size a limit against real household exposures.

Standard homeowners forms are built for typical houses. Here is how replacement cost, ordinance or law, cash settlement, and named-storm deductibles work on a Connecticut high-value home.

Homeowners policies cap jewelry, art, and collectibles far below what most families own. A practical guide to scheduling, agreed value, appraisals, and coverage for watches, art, and wine.

Homeowners watercraft coverage stops well short of a real boat. Here is how hull valuation, navigational limits, hurricane haul-out, fuel spill liability and wreck removal actually work on Long Island Sound.

A weekend house on the shoreline is underwritten as a different risk than the house you live in. How vacancy provisions, freeze warranties, named-storm deductibles, flood, rental use and umbrella coordination actually work.

When title moves to a trust or an LLC, the policy has to move with it. How named insured status, umbrella scheduling and lender interests decide whether a claim gets paid, and to whom.

A homeowners policy is not built for a house someone else lives in. How the dwelling fire form works, why loss of rents limits and periods matter, what tenant damage really covers, and how vacancy, lead, and short-term rentals change the analysis.

Learn the fundamentals of Connecticut homeowners insurance, from basic coverage to additional protections you might need.