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Milford, CT 06461

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What are the benefits of investing in homeowners insurance?

Homeowners insurance offers many benefits that many homeowners may not be aware of. At White Oak Insurance LLC of  Milford, CT, we know that most homeowners will need to invest in insurance. We want to ensure that Connecticut residents understand all the different benefits that homeowners insurance provides. 

What is Homeowners Insurance?

In short, homeowner’s insurance is property insurance. This insurance is designed to cover private property. This insurance is designed to cover the repair, replacement, or rebuild of your home. This may be necessary due to damage or destruction caused by fire, smoke, theft, vandalism, falling trees, or weather. Hail damage, lightning, and storms can damage your home, and these circumstances are covered by homeowners insurance as well. Your insurance policy may also cover the loss or damage to your clothing, furniture, and other personal possessions. This type of insurance will also cover the cost of rebuilding floors, walls, and roofs, windows, and supportive beams if needed. Your policy also covers your driveway and your foundation. In fact, structures on your property are usually covered under your homeowner’s insurance. However, this coverage doesn’t include damage to your dwelling caused by a flood or an earthquake.

Liability…

If a guest or neighbor suffers some injury or incurs damage to their property while visiting your dwelling, homeowners insurance can also cover the cost of damage to other people’s property as well as injuries if they occur on your property. In fact, this type of insurance may also cover damage to your neighbor’s property if your dog destroys something on their property. 

Peace of Mind

The personal property portion of your homeowner’s policy will pay for the cost of your temporary living expenses if you’re forced to relocate for your dwelling to be repaired. Homeowners insurance offers invaluable benefits to homeowners. It is both a safety net for unforeseen circumstances and a financial benefit when it comes to replacing or repairing damage to your home or personal property. Give us a call. We’re here to answer all your questions about homeowners insurance.

Do I need home insurance if I don’t have a mortgage

Milford, CT was settled in 1639 and is very proud of its place in the history of Connecticut. It has always been a desirable place to call home, and nothing has changed in that respect. Homeownership comes with plenty of things to worry about, but whether or not you have the right home insurance shouldn’t be on that list.  With the team at White Oak Insurance LLC available to help you, choosing the right insurance should be a snap.

When you have paid off your mortgage, you may wonder if you still need home insurance. Everyone likes to save money, but this is one case where saving a little bit of money could end up costing you a lot of money. Home insurance offers some valuable protections that could save you a lot of sleepless nights if you don’t keep your home insurance.

Bad things can happen without warning, and you don’t have to be engaging in any risky behavior to be a victim. No one is immune to the damage caused by things like tornados and other violent winds. In Connecticut, ice storms cause lots of damage. It will not only damage your physical home; it can destroy all your personal possessions. Your home insurance can help you to replace what is lost. 

Being without liability insurance can end up with you losing everything that you have worked so hard to accumulate. People get injured, people sue, it is a fact of life. Your liability insurance can help to pay a judgment against you. 

The answer to the question, “do I need home insurance if I don’t have a mortgage?” is yes, you do. At White Oak Insurance LLC in Milford, CT, we know that your home is your castle, and that castle needs to be protected at a price that you can afford. You can stop by the office or give us a call for a free no-obligation quote.

Why Work With Us?

  • Locally owned and operated
  • Works with multiple carriers
  • Combines policies for best rates
  • Customer friendly services
  • 24 hour policy access online

States Served

  • Connecticut
  • Massachusetts
  • Rhode Island
  • New Hampshire
  • Vermont
  • Maine

Partner Carriers

  • American Commerce
  • American Modern
  • AmTrust
  • Banner
  • Chubb
  • Dairyland
  • Foremost
  • Guard
  • Hagerty
  • Hanover
  • Harleysville
  • John Hancock
  • Kemper
  • Liberty Mutual
  • Lincoln Life
  • MetLife
  • Narragansett Bay
  • National General
  • National Grange
  • New York life
  • Progressive
  • Prudential
  • Quincy Mutual
  • Safeco
  • State Auto
  • The Hartford
  • Travelers
  • Utica 1st