Personal Insurance
A renewal jumped with no reason, or a payment lapsed after a card change. Call, text or email, and a person answers.
Personal Insurance Coverage
Your home, your car and the things you value each need a policy that fits them.
Condo, Renters, Landlord and Valuables
Condo
Tell us about your unit and what is inside it.
Renters
Tell us what you own. Renters insurance does not cover flood.
Landlord
For a home a tenant lives in. Neither your policy nor the tenant’s covers flood. See Rental Property Insurance.
Scheduled Valuables
For jewelry, art and collectibles, which may need their own policy and an appraisal.
More Coverage Options
These are examples, not a complete list.
Umbrella
For a claim above what your home and auto policies pay.
Flood
For water a homeowners policy does not cover. Flood is a separate policy.
Boat
Tell us what you own and how you use it.
Motorcycle
Tell us what you ride and how you use it.
Recreational Vehicle
Tell us what you own and how you use it.
Don’t see yours here? Tell us what you need covered.When an Insurer Says No
A letter ends your policy, or an insurer says no? Start with the page that fits.
Questions About Personal Insurance
Does homeowners insurance cover a flooded basement?
Not flood. Water from leaky pipes is likely covered, but ground water from rain, run off or snow melt is not. Flood is a separate policy, and sewer backup is an optional add on. How flood coverage works.
Do I need an umbrella policy?
An umbrella pays liability and legal defense costs above what your home and auto policies pay. It does not pay for damage to your own home or car. It is worth a look if a claim could run past your limits.
Are my jewelry and art covered?
A typical homeowners policy limits what it pays for jewelry, art and heirlooms. Scheduling them, sometimes with an appraisal, can raise those limits.
Does my car insurance cover deliveries or other work driving?
Generally not. A personal auto policy generally excludes business use, such as delivery work. Tell us how the car is used.
State Facts
In Connecticut
- The auto minimum is $25,000 per person, $50,000 per accident and $25,000 for property damage. The Insurance Department advises that the minimum may not be sufficient.
- Homeowners, renters, dwelling fire and condo policies effective on or after July 1, 2026 must carry a clear notice that flood is not covered.
- Beginning January 1, 2027, a renewal bill for a personal policy that carries an increase must state that the insurer will explain the increase within 20 business days of your request.
- If an insurer does not renew a homeowners policy, Connecticut law requires at least 60 days’ advance written notice that states a clear reason.
A new flood policy usually takes 30 days to start. The main exception is when it is bought with a new or refinanced mortgage. Do not wait for a storm forecast.
Tell Us When Your Policy Ends.
Or send the notice you received, and say what you need covered.
