Need a quote from our insurance agency? Call us at 203-799-2327
Homeowners Insurance
Since your home is one of the most important assets you’ll acquire in your lifetime, proper coverage will keep your investment protected and provide your family with peace of mind and security.
Standard home Insurance can cover anything from fire and weather damage to injuries and theft, but all damages and accidents may not be insured under a standard policy. That’s why it’s important to talk to an insurance specialist at Orange Insurance Center, Inc. about specific coverage options that are applicable to your individual needs.
Your homeowners policy’s coverage should be equal or greater than the cost to replace your home and possessions including the dwelling, any detached structures, personal property and liability.
Replacement of Personal Property/Possessions
Consider extra coverage for the special contents or possessions you own. We recommend that you insure items such as jewelry, antiques, art or collectibles separately in a Valuables policy.
Personal Liability
Most standard homeowners policies provide a limit of liability of $300,000 for property damages or injuries. To further protect yourself in the event of a lawsuit, additional liability insurance or an Umbrella policy can extend your coverage.
Protect Your Home Today! Call us at 203.799.2327 to find the best coverage for you.
Condominium Insurance
As a condo unit owner, we can tailor a package to cover your specific needs. You can extend your protection past that of what your condo association’s policy will cover. The majority of associations in Connecticut cover the building structure and any improvements that are made to it, but that’s not true for condo communities in all states.
Condo unit owner insurance from Orange Insurance Center can help close the gaps to cover any damage done to the interior of your unit and insure your personal belongings or the contents within your unit. It will also include personal liability in case someone is injured while in your condo. And it provides coverage for claims of bodily injury and property damage sustained by others for which you are legally responsible.
Components of a condo insurance policy:
- Personal Property
- Loss Assessment
- Liability
Renters Insurance
If you’re renting a house, condo or apartment, it’s important to protect your belongings. And without proper coverage, you could be liable for any potential damages to the property or any injuries that happen on it.
Renters Insurance provides coverage for your personal possessions in the event of:
- Theft or vandalism
- Fire, smoke, wind damage. a burst pipe or a power outage
Liability coverage is included in your renters insurance policy to safeguard you from lawsuits for injuries or medical costs in the event that a visitor is hurt in your home. It also provides coverage for claims of bodily injury and property damage sustained by others for which you or covered residents are legally responsible.
Orange Insurance Center can create an affordable rental policy that includes everything you need. Call us at 203.799.2327 today.
Flood Insurance in Orange, Milford and CT Shoreline Communities
As we've experienced the intensity and unpredictability of severe weather in recent years, it’s important to evaluate your need for flood coverage. Many people falsely believe that their Homeowners insurance will protect them in the event of flood damages and don’t consider the enormous financial impact of a flood.
Orange Insurance Center can evaluate your need for flood coverage especially if you live in a flood- prone community and offer you a cost effective policy if your home is in lower risk zone. A proper policy can protect you from losses associated with rapid accumulation of ground water due to flood, heavy rains, rapidly melting snow, etc.