Homeowners Insurance

Excellent Home Insurance Offerings for Homeowners in Central CT
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Homeownership at any phase of your life can be both exciting and daunting at the same time. By working with a D. M. Johnson 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 D. M. Johnson 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 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

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 provides an informative review of the standard policy.

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.

Home Insurance Frequent Questions

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

More excellent 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 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).

For more information about these coverage options and how to include them in a new or current home insurance policy, please contact a D. M. Johnson Insurance Agency professional at 860.436.5339.