Homeowners insurance
Protection for the Place You Call Home
Your home is more than a building. It’s where you live, where you keep the things you’ve worked for and often one of your largest financial investments.
Homeowners insurance is designed to help protect both your property and your financial responsibility as a homeowner. The Newton Agency can help you understand what’s covered, identify potential gaps and choose protection that makes sense for your home and your situation.
Navigate with confidence
Protection starts at home.
UNDERSTANDING YOUR COVERAGE
What Does Homeowners Insurance Cover?
Homeowners insurance combines protection for your house and belongings with liability coverage designed to help protect you financially when something unexpected happens.
A typical homeowners policy includes several different types of coverage, each designed to address a different kind of risk.
Here are the major types of coverage to understand.
CORE TYPES OF COVERAGE
Protection Designed for Different Situations
01 — Dwelling Coverage
Protection for the structure of your home.
Dwelling coverage helps pay to repair or rebuild your house when it is damaged by a covered event.
This generally includes the parts of your home that are permanently attached, such as:
- Walls
- Roof
- Floors
- Built-in cabinets
- Built-in appliances
- Plumbing and electrical systems
Covered causes of loss may include events such as fire, windstorms, hail, lightning and vandalism, depending on your policy.
02 — Other Structures Coverage
Protection beyond the walls of your house.
Your property may include structures that aren’t physically attached to your home.
Other Structures coverage can help protect things such as:
- Detached garages
- Sheds
- Fences
- Gazebos
Certain other structures on your property
Coverage depends on the terms, limits and exclusions of your policy.
03 — Personal Property Coverage
Protection for the things that make your house a home.
Furniture, clothing, electronics, appliances and other belongings can represent a significant investment.
Personal Property coverage can help repair or replace covered belongings when they’re damaged or stolen as the result of a covered event.
Your coverage may even extend to certain belongings while they’re temporarily away from your home.
High-value items may require additional protection.
04 — Loss of Use
Help when you temporarily can’t live at home.
If a covered loss makes your home unlivable, Loss of Use — also called Additional Living Expense coverage — may help pay for certain additional costs while your home is being repaired.
Depending on your policy, that could include eligible expenses such as:
- Temporary housing
- Hotel expenses
- Additional meal costs
- Certain other increased living expenses
05 — Personal Liability Coverage
Protection when the other driver doesn’t have enough insurance.
Homeowners insurance isn’t only about protecting your house.
Personal Liability coverage can help protect you financially if you’re legally responsible for someone else’s injury or certain damage to someone else’s property.
Depending on the circumstances and your policy, coverage may help with legal defense costs and covered damages.
06 — Medical Payments to Others
Coverage for certain minor injuries involving guests.
Medical Payments to Others coverage may help pay certain medical expenses when a guest is accidentally injured on your property.
Unlike liability coverage, this coverage can often apply to eligible minor injuries regardless of who was at fault, subject to the terms of the policy.
WHY IT MATTERS
More Than Protecting a Building
Homeowners insurance is about protecting the place you live — but it’s also about protecting your financial well-being when something unexpected happens.
Protect Your Home
Be prepared for major property damage.
Fire, storms, theft and other covered losses can result in repairs that would be difficult for most homeowners to absorb on their own.
Protect What You've Built
Your belongings add up quickly.
Furniture, electronics, clothing, appliances and everything else inside your home can represent years of purchases and significant value.
The right coverage can help protect that investment.
Protect Yourself Financially
Not every homeowners claim involves damage to the house.
An injury on your property or accidental damage for which you’re responsible can create significant financial exposure.
Liability coverage is an important part of homeowners protection.
A CLEARER WAY THROUGH INSURANCE
You Don’t Have to Navigate Homeowners Insurance Alone.
Dwelling limits. Deductibles. Replacement cost. Personal property limits. Liability. Flood insurance. Water backup. Scheduled valuables.
There can be a lot more to homeowners insurance than simply insuring the value of your house.
At The Newton Agency, we’ll help you understand what the different coverages mean, where potential gaps may exist and what questions you should be asking about your protection.
Clear Explanations
Insurance language translated into understandable terms.
Personal Guidance
Help based on your situation, properties and priorities.
Coverage That Makes Sense
Understand what you’re buying and why it matters.
Coverage availability, limits, deductibles, exclusions and terms vary by policy and state. This page is intended as general information and is not a statement of coverage.
THE NEWTON AGENCY
Ready to Talk About Your Homeowners Insurance?
Whether you’re buying a home, reviewing an existing policy, making improvements or simply wondering whether your current coverage is still right for you, we’re here to help.
Serving Cheshire and communities throughout Connecticut.