Why You Might Need Extra Homeowners Insurance

Why You Might Need Extra Homeowners Insurance

Connecticut insurance companies

Having homeowners insurance is a must in the modern world. Regardless of how careful you and your guests are, accidents are sure to happen at one point or another and when they do, you need your Connecticut insurance companies to have your back. However, in some cases, general liability insurance just won’t cut it, and you may need special insurance coverage options to ensure you’re really and truly covered in the coming months. These instances may include:

Pool installation. If you have a pool, hot tub or other water feature of any shape or size on your home, there’s a higher chance of someone drowning on the premises. This means you’ll need additional coverage to protect yourself.
Recreational items like trampolines may require special insurance coverage as well. Because activities like these promote a higher chance of injury among participants, there’s a higher likelihood of accidents occurring on your property.
Other features like fences and sheds may require additional coverage still. This is usually to protect these structures from wind, fire and other threats, just as your home is protected.

Each of these coverage options might mean you pay a slightly higher sum each month, but they seek to keep you, your family and your friends safe from harm while you’re gathered in your own home. Speak to your Connecticut insurance companies to learn whether or not you need more insurance on your house.