Home & Auto Insurance in Connecticut & Texas

Review liability, collision, comprehensive, and uninsured or underinsured motorist options for your vehicles and drivers.

Key review points

• Match limits and deductibles to your needs
• Tell us about delivery, rideshare, or business use
• Prepare vehicle and driver details, annual mileage, garaging ZIP and any changes in household drivers.

Discuss protection for your house, belongings, personal liability, and added living costs after a covered loss.

Key review points

• Review rebuilding cost and roof coverage
• Check wind deductibles and water exclusions
• Bring the rebuilding estimate, roof age, recent renovations and any lender requirements; market value is not a rebuilding estimate.

Your landlord’s policy generally does not insure your belongings. Explore protection for your possessions, personal liability, and covered temporary living costs.

Key review points

• Review a home inventory
• Compare replacement cost and actual cash value
• Estimate the replacement cost of your belongings and review liability requirements in your lease.

Coordinate coverage for your unit, improvements, belongings, and liability with the association’s master policy.

Key review points

• Review the association’s insurance responsibilities
• Ask about loss assessment coverage
• Bring the master-policy summary and association documents to clarify which parts of the unit you must insure.

Discuss dwelling, premises liability, and loss of rental income options for eligible rental properties.

Key review points

• Tell us who occupies the property
• Disclose short-term rentals, vacancies, and business ownership
• Provide unit count, lease type, occupancy, renovations and any periods the property will be vacant.

Explore an additional layer of liability protection above qualifying home, auto, and other underlying policies.

Key review points

• Check required underlying limits
• Review household drivers and property exposures
• List all properties, drivers, vehicles and recreational exposures so the underlying policies can be reviewed together.

Standard homeowners and renters policies generally exclude flood. Ask about separate flood insurance options for eligible properties and contents.

Key review points

• Compare building and contents protection
• Review waiting periods and program requirements
• Identify the building and contents you need protected and confirm the actual effective date before relying on coverage.

Discuss liability and physical damage options for your bike, with equipment and accessory coverage where available.

Key review points

• Riding, storage, and passenger needs
• Accessories and custom equipment
• Provide the year, make, model, engine size, riders and approximate value of custom accessories.

Review coverage for a motorhome, camper, or travel trailer based on how you travel, store it, and use it.

Key review points

• Seasonal and full-time use need different reviews
• Ask about belongings and vacation liability
• Explain whether the vehicle is used for occasional trips, seasonal stays, full-time living or rental to others.

Explore hull, equipment, and liability protection for eligible boats and personal watercraft.

Key review points

• Navigation area and storage details
• Towing and trailer options where available
• Provide hull value, horsepower, navigation area, storage arrangements and any lender requirements.

Ask about specialty coverage for an eligible collector vehicle, including agreed-value options.

Key review points

• Mileage, storage, and use restrictions matter
• Document modifications and vehicle value
• Describe storage, use, modifications and supporting valuation documents; eligibility is not based on age alone.

Standard policies may limit coverage for jewelry, art, and collectibles. Review scheduled coverage or a separate personal articles policy.

Key review points

• Item descriptions, values, and appraisals
• Review covered causes of loss and deductibles
• Identify each high-value item and ask whether scheduling changes theft limits, deductibles or covered causes of loss.