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Homeowners Insurance
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Why Connecticut Homeowners Choose KOA Insurance
Local Expertise
Personalized service from someone who knows Connecticut's unique risks and insurance needs
Comprehensive Coverage
Protection for structure, belongings, liability, and additional living expenses
Competitive Rates & Discounts
Bundle discounts, safety features discounts, and loyalty rewards available
Farmers Insurance Trust
Serving Connecticut families for decades
1000+
Happy Customers
25+
Years of Experience
What Is Homeowners Insurance?
Homeowners insurance is a policy designed to help protect your home and personal belongings if damage, theft, or liability claims occur.
Coverage for Structure
Protection for the physical structure of your home including roof, walls, floors, and foundation.
Liability Person
Covers medical expenses and legal costs if someone is injured on your property.
Personal Belongings
Help protect furniture, electronics, clothing, and other personal valuables inside your home.
Additional Living Expenses
Covers temporary housing, meals, and other costs if your home becomes unlivable.
What Does Homeowners Insurance Cover?
Dwelling Coverage
Dwelling coverage protects the physical structure of your home. If your home is damaged by a covered event such as fire, wind, or vandalism, this coverage helps pay for repairs or rebuilding.
Roof and structural damage
Walls, floors, and foundation
Attached structures like garages and decks
Personal Property Coverage
Personal property coverage helps protect the belongings inside your home. If these items are damaged, destroyed, or stolen, your Connecticut homeowners insurance policy may help cover the cost to repair or replace them.
Furniture and electronics
Appliances and clothing
Personal valuables and collectibles
Liability Coverage
Personal valuables and collectibles
Liability protection helps protect you financially if someone is injured on your property or if you are responsible for damage to someone else's property. This coverage is an important part of any homeowners insurance policy because it helps protect your financial future.
Medical expense coverage
Legal costs and representation
Court settlements and judgments
Additional Living Expenses
If your home becomes temporarily uninhabitable due to a covered loss, additional living expense coverage may help pay for costs such as temporary housing, meals, and transportation while your home is repaired.
Hotel and temporary housing
Meals and dining expenses
Transportation and other living costs
Personal valuables and collectibles
Risks Connecticut Homeowners Face
Homeowners in Connecticut face a variety of risks which makes having the right insurance coverage essential.
Winter Storms
Snow, ice, and wind damage are common winter risks in Connecticut.
Wind Damage
Strong winds can cause significant structural damage to homes.
Liability Risks
Protect yourself from unexpected liability claims and lawsuits.
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