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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.

That’s our sole purpose when we talk to you about homeowners insurance. Our agents determine what’s important to you and your family so we can meet your insurance needs. We connect you with the right insurance company. We provide the coverage that will help you get your life back to normal as quickly as possible

The Right Homeowners Insurance Policy

McLaughlin Insurance is an independent agency. Our agents work with multiple carriers to give you a home insurance program that’s right for your family. We write policies to cover primary and secondary residences, vacation properties, rented homes and apartments, and condominiums.

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.

The Right Homeowners Insurance Policy

McLaughlin Insurance is an independent agency. Our agents work with multiple carriers to give you a home insurance program that’s right for your family. We write policies to cover primary and secondary residences, vacation properties, rented homes and apartments, and condominiums.

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

When an insured peril damages your home, you want the same things as other homeowners. You want your home restored and your property repaired or replaced. That often means different things to different people.

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

Homeowners insurance  doesn’t have to be complicated. Call us at (203) 245-8287. We’ll give you a no-obligation quote and explain how we can tailor your Homeowners Insurance policy to meet your needs.

Call McLaughlin Insurance Agency

Homeowners insurance doesn’t have to be complicated. Call us at (203) 245-8287. We’ll give you a no-obligation quote and explain how we can tailor your Homeowners Insurance policy to meet your needs.

Get a Quote Today! Give us a call at (203) 245-8287 or fill in the form to right. We will respond within 1 business day.

Let’s Get Started! Give us a call at (203) 245-8287 or fill in the form below. We will respond within 1 business day.

Serving the Shoreline for Over 40 Years

Our office is located in Madison Connecticut and we serve customers from all around Connecticut. We specialize in our local service areas of :

  • Branford CT
  • Madison CT
  • Guilford CT
  • Clinton CT
  • Westbrook CT
  • Old Saybrook CT

Get a Quote Today

Get a Quote Today
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Location

Contact Info

McLaughlin Associates Insurance Agency
106 Wall St
Madison, CT 06443
Phone: (203) 245-8287
Email Address: jmclaughlin@mclaassociates.com

Office Hours

Mon: 9:00 am - 5:00 pm
Tues: 9:00 am - 5:00 pm
Wed: 9:00 am - 5:00 pm
Thurs: 9:00 am - 5:00 pm
Fri: 9:00 am - 5:00 pm
Sat: Closed
Sun: Closed