Home Insurance Rocky Hill

A Variety of Homeowner Insurance Options for Rocky Hill CT residents
DM Johnson Insurance Agency House Insurance

CT homeownership at any phase of your life can be both exciting and daunting at the same time. By working with a Nickerson Insurance Agency professional, you can be confident that you are getting access to the best home insurance options and prices, excellent money-saving advice, and multiple, top-quality insurance carriers.

Designing a comprehensive homeowners insurance program is always a collaborative process between the Nickerson team and our clients. This approach includes a detailed fact-finding about you, your family, and your home, and helps us find the policy that best matches your specific needs and fits your individual budget. The information we gather also enables us to identify a variety of homeowners coverage extensions that might be appropriate for your Rocky Hill CT property, including:

  • Calculation of Your Home’s Rebuilding Cost
  • Dwelling Replacement Cost Guarantee
  • Scheduled Jewelry, Fine Arts,
  • or Other Special Property
  • Personal Property Replacement Cost
  • Personal Injury Coverage
  • Identity Fraud Expense Coverage
  • Ordinance or Law Coverage
  • Earthquake
  • Sewer Backup
DM Johnson Insurance Agency House Insurance
DM Johnson Insurance Agency Car Insurance

D. M. Johnson Insurance is your knowledgeable local agent who has experience with auto, home, motorcycle, umbrella, life, disability and business insurance. Whether you’ve recently purchased a new vehicle or home, or you’re thinking of making the move to a new insurance provider, our experienced, friendly, and professional customer service representatives can help.

Contact D. M. Johnson Insurance today to learn more about the optimal insurance coverage options for your vehicles, home and business. Plus, find out what discounts you might be eligible for.

About Rocky Hill

Rocky Hill is a town in Hartford County, Connecticut, United States. The town is part of the Capitol Planning Region. The population was 20,845 at the 2020 census. It was originally land of the Wangunks (a tribe of Native Americans). Europeans began to settle the area of Rocky Hill in 1650, as part of Wethersfield, the neighboring town to the north. In 1722, the area became known as Stepney Parish, until it was independently incorporated in 1843. Rocky Hill’s location on the Connecticut River made it a natural port for Wethersfield and an early center for shipbuilding, agriculture, and trade.

Rocky Hill is a typical bedroom community, as many residents commute to work in the larger urban centers of Hartford to the north and New Haven to the south.

Rocky Hill is the home to the Dinosaur State Park. Rocky Hill also was once the headquarters of Ames Department Stores, which ceased business operations in 2002.

How Home Insurance Works?

Having homeowners insurance is critical protection for your property and belongings. But it’s also important to understand how it will go to work for you in the event of a claim. D. M. Johnson Insurance Agency provides an informative review of the standard policy for Rocky Hill CT.

DM Johnson Insurance Agency House Insurance
DM Johnson Insurance Agency House Insurance

What Home Insurance Covers?

Potential threats to your property lurk around every corner. Erratic weather patterns, accidental kitchen fires, unexpected break-ins, can all cause damage to your home and belongings. We explain what types of events are typically covered by your policy.

What Home Insurance Costs?

As with any purchase, we’re sure you want to understand what a homeowners insurance policy might cost you before you make a buying decision. D. M. Johnson Insurance Agency shares details about the five factors that can affect your home insurance rates.

DM Johnson Insurance Agency House Insurance
DM Johnson Insurance Agency House Insurance

Rocky Hill Home Insurance Frequent Questions

You probably have many questions about your homeowners insurance, and, for then more than 30 years, D. M. Johnson Insurance has been doing our best to give home buyers and homeowners all the answers they need to be informed. D. M. Johnsons Insurance Agency discusses the most frequently asked questions about Rocky Hill CT home insurance.

More excellent Rocky Hill CT home insurance coverage options available through D. M. Johnson Insurance Agency:

Each homeowners insurance policy offers different protection, but standard policies usually provide:

  • Dwelling coverage for damage to your house and certain attached structures on your property (unless the cause of the damage is specifically excluded in your policy).
  • Damage to your personal property due to causes specified in your policy. (Yep, it’s those “named perils” again!)
  • Limited coverage—usually $500 – $2,000—for jewelry stolen from your home. (Most policies don’t cover lost jewelry.) If you need greater coverage for your prized collection, you might need a homeowners policy endorsement.
  • Coverage for personal liability exposures that arise from being a Rocky Hill CT homeowner.
  • Coverage for additional costs you might incur because of a covered loss (for example, if you need to temporarily live elsewhere if a fire makes your home uninhabitable).