Home Insurance

At Larrow Insurance, we recognize how important your home and possessions are, so we offer property insurance policies that will help protect against almost any hazard. For most families, their home is their biggest asset, which is why we are here to make sure you have the best coverage. Over recent years, natural disasters have been on the rise, and there is always a possibility of theft or vandalism.

These unforeseen circumstances can happen to anyone, and without adequate insurance, you can be subject to a major loss. We offer the following programs:

  • Homeowners
  • Condominium
  • Renters
  • Liability
  • Flood
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Home Insurance Policies

Below are the types of home insurance policies that we offer. Click on each type to learn more!

There are six sections within homeowners insurance policies – here is a breakdown of what they cover:

  • Residence coverage protects your dwelling and attached structures, such as garages, porches, and decks.
  • Related private structures coverage protects additional structures and outdoor fixtures not attached to your home, unless you use them for business.
  • Medical payment coverage pays for necessary medical expenses (subject to policy limits) for non-residents injured on your property.
  • Personal liability coverage protects you against injuries to others on your property and elsewhere. Plus, it covers accidental damage to someone else’s property.
  • Basic personal property coverage protects your personal belongings anywhere in the world! The policy limits coverage for certain types of property, but you can increase these limits or insure specific valuable items.
  • Coverage for additional living expenses and loss of rent – We cover extra reasonable and necessary costs incurred (up to your policy’s limit) if you are forced to live in temporary quarters due to covered loss or repair of your home.

Review Your Insurance Coverage

If you’ve recently moved, built on an addition to your home, or acquired additional property, it is important to review your homeowners insurance policy to ensure you are adequately protected. Here are some popular policy add-on’s that you may consider: scheduled personal property, water damage, and the identity fraud advocacy program.

If you rent, we can provide coverage for your personal belongings and personal liability. If your personal property is damaged or destroyed, your landlord’s insurance policy will only cover the structure, not your possessions.

A renters insurance policy will provide:

  • protection for your possessions that have been damaged or stolen;
  • liability coverage if someone is injured at your address; and
  • additional living expenses if your residence becomes uninhabitable from a covered loss.

Policy Coverages

  • Medical payment coverage pays for necessary medical expenses (subject to policy limits) for non-residents injured at your address.
  • Personal liability coverage protects against injuries to others at your residence and elsewhere.  Plus, it covers accidental damage to others’ property.
  • Basic personal property coverage protects your personal belongings anywhere in the world!  The policy limits coverage for certain types of property, but you can increase these limits or insure certain valuable items.
  • Coverage for additional living expenses and loss of rent.  We cover extra reasonable and necessary costs incurred (up to your policy’s specified limit) if you’re forced to live in temporary quarters due to covered loss or repair of your home and property.

We also offer condo insurance that covers your structure, your contents, additional living expenses, liability, and medical payments. Laws vary from state to state, so it is important that you understand your coverage and are adequately insured. We suggest consult with your condo association to make sure you are aware of what its master policy covers. We are very knowledgeable in the condo state laws and can help you choose the right coverage. 

Auto and property insurance coverage are essential for providing protection if you are liable for accident injuries or property damage. If the unexpected happens, however – like a serious car accident, or an accident on your property that results in a large judgment against you – your current policy limits may not be enough. If a claim settlement is larger than your policy limits, it is your responsibility to pay the remaining amount.

Today, million-dollar lawsuits are increasingly common. Liability judgments resulting from inexperienced teen drivers, swimming pools, trampolines, cracked sidewalks, etc., are all examples of incidents that could end up in a lawsuit for hundreds of thousands – or even millions – in damages.

A Liability Plus personal umbrella policy provides additional protection for you and your assets. For a relatively small cost, you can get up to $2 million in coverage, providing an extra layer of protection for your assets that starts where your auto and homeowner liability insurance ends. With this added protection, you can focus on meeting your financial goals.

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CONNECTICUT
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898 North Main Street
Killingly, CT 06239
(860) 792-0454

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Registered Representative of and securities distributed by Horace Mann Investors, Inc. (HMII), member FINRA/SIPC. Insurance products issued by Horace Mann Life Insurance Company (HMLIC), Springfield, IL. HMLIC and HMII are affiliated companies and wholly owned subsidiaries of Horace Mann Educators Corporation.