Notes on
Personal Insurance
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Do You Need Flood Insurance in the Farmington Valley?
Homeowners insurance excludes flood, and the Farmington Valley learned that the hard way in August 2024. Here is who needs flood coverage, what it costs, and how NFIP and private flood differ.
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Do You Need Boat Insurance in Connecticut? Coverage and Cost Guide
Connecticut has no boat insurance law, but marinas, lenders and your homeowners policy’s limits mean most boat and jet ski owners need a policy anyway. Here is what it covers and costs.
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What Does Homeowners Insurance Cover in Connecticut?
The six coverages inside every Connecticut homeowners policy, the exclusions that catch Farmington Valley homeowners off guard, and the endorsements worth adding.
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One agent, multiple carriers, and a policy read line by line before you sign it.