Home Insurance

At McLaughlin Insurance Agency, we sell homeowners insurance to protect the things that are important to you. Whether your home is a first-time residence or your forever home, it’s one of your most precious investments. When a disaster strikes, it can disrupt your life and put everything on hold. It’s important to have insurance coverage that will help you get your life back to the way it was.

The Right Homeowners Insurance Policy

In addition to paying for damage to your home, homeowners policies insure your personal contents. They also cover liability exposures for damages or injuries caused by your negligent acts. We give you a number of policy options to accomplish these coverage requirements.

• Homeowners Insurance: You have a choice of homeowners policy forms, each with unique coverage variations. “Named Perils” policies (HO-1&2) cover only those perils listed. “All Risk” policies (HO-3&5) cover any peril that’s not excluded within the policy provisions. We also write Named Peril policies for older homes (HO-8) where the replacement value is often higher than the market value.
• Condominium Insurance: A condo policy (HO-6) insures only the inside of a property which you own. The condo developers own the outside. When a loss occurs, a condo policy pays only for the damage to the interior walls, fixtures, and improvements. A condo policy may also pay community assessed damages due to a common loss.
• Rental Property: Renters policies (HO-4) cover your personal property and liability exposures only.

Not all Homeowners Want the Same Coverages

If you’re a tech-savvy family, your home repairs might include smart appliances, a high-tech surveillance system, and smart home technologies. If you’re a collector, you may have a high-dollar assortment of valuable items. If you buy expensive jewelry, you’ll want your jewelry repaired or replaced.
We recognize that homeowners are not the same. When you contact our agents at (203) 245-8287 we can individualize your home insurance policy to meet your specific needs.

Our agents can add endorsements to increase specific personal property limits or provide separate coverages for valuable items. We can also add endorsements that help reduce your policy premiums.

• Replacement cost coverage: Eliminates actual cash value deductions on paid claims.
• Flood Insurance: Covers certain water damage claims excluded by homeowners insurance policies
• Valuable Items Endorsements: Provides scheduled or blanket coverage for high-dollar items such as jewelry or art.
• Increased Deductible: Lowers insurance premiums by increasing the deductible amount for property or personal property claim payments.
• Animal Liability Coverage: If your policy excludes coverage for your animal’s negligent acts this endorsement allows you to buy back limited liability coverage.

Call McLaughlin Insurance Agency