The family in Madison who just bought a place west of Hammonasset and discovered their lender requires flood insurance — for the first time in their life.
First-time coastal buyerMost insurance agencies don't know the difference between an X-zone and an AE-zone, can't tell you whether your dock counts as "appurtenant structure," and have never read a Connecticut hurricane deductible clause. We do this every week. Home, auto, umbrella, flood, dock, and boat — reviewed at your kitchen table, free.
The HO-3 and HO-5 forms, with attention to coastal wind, hurricane deductibles, and tree-fall risk on your specific property. Umbrella coverage stacked on top.
Free home policy review 02Personal and family auto. We'll quote you across the Connecticut market and tell you the truth about which carrier is cheapest right now — it changes.
Auto quote 03FEMA flood zones, the National Flood Insurance Program, and private flood alternatives that are now often cheaper for coastal homes. The shoreline differentiator.
Read the flood guide 04Personal craft, charter operations, dock and pier coverage, marina liability, and the gaps homeowners policies leave for coastal waterfront.
Boat & dock quoteThe family in Madison who just bought a place west of Hammonasset and discovered their lender requires flood insurance — for the first time in their life.
First-time coastal buyerThe retiree in Old Saybrook whose homeowners premium jumped 38% at renewal and whose carrier wants to drop them entirely because of the coastal proximity score.
Renewal shock · market shiftThe charter captain in Stonington piecing together personal auto, business auto for the truck towing the boat, marine liability, and a homeowners policy that excludes the dock.
Self-employed coastalThe grandparent in Branford with a teenage driver about to be added to the policy — and three carriers competing to not insure the household.
Adding a young driverWe shop the market.
We're appointed with a wide group of carriers writing personal lines in Connecticut. We compare, then tell you the truth about which one is the best fit today — price, coverage, and service all weighted.
We know the flood maps.
FEMA's flood zones change. Private flood is often cheaper than NFIP today. The wind-vs-water dispute language matters. We read the policy. So should you, but we'll do the heavy lifting.
We tell you when to stay.
If your existing carrier is fine, we'll tell you. We do the review for free either way. We make money when we sell something, not when we sell the wrong something.
Coastal home, multi-vehicle household, or a renewal that just jumped? Send me your declarations pages and I'll re-shop the market for you. Free policy review, no obligation.
Free policy review →Maybe. About 25% of National Flood Insurance Program claims come from properties outside high-risk zones. If you're within a few miles of the Sound, on flat ground, or near a river or marsh, we'd at least look at a quote. Private flood for low-risk properties can run a few hundred dollars a year — cheap for the coverage.
Most Connecticut coastal homeowners policies have a separate, higher deductible for "named storm" or "hurricane" damage — typically 1%, 2%, or 5% of the dwelling coverage. On a $500K house with a 5% hurricane deductible, you'd owe $25,000 before the carrier pays anything for hurricane damage. Worth knowing before the storm.
Connecticut's coastal homeowners market has tightened in the past few years. Several carriers have pulled back, raised rates, or added coastal exclusions. We help you find which carrier is currently underwriting your specific block of the shoreline, which often saves more than it sounds.
If you own a home and have meaningful assets — or a teen driver — almost certainly yes. Umbrella adds $1M–$5M of personal liability over your home and auto policies. Pricing is roughly $200–$500/year for $1M of coverage. One of the highest-leverage insurance dollars you can spend.
Sometimes partially, often with limits, and not for storm surge or wave damage. If your dock or pier is worth more than $10K–$20K to replace, we usually recommend a separate marine policy. We write these every season for Stonington, Mystic, Niantic, and Old Saybrook clients.
Send us your current policies. We'll read them, quote against them, and tell you whether to switch. If switching doesn't save you anything meaningful, we'll say so.
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