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Homeowners insurance provides basic financial protection from damage to your property and liability for injuries and property damage you or members of your family cause to other people. Homeowner policies may also cover property damage you or members of your family cause to others. A homeowners policy combines coverages for fire, windstorm, theft and liability into one convenient policy. Damage from most perils is covered under your homeowners policy, but there are exceptions. The most significant exclusions are damage caused by flood, earthquakes and neglect. Usually you can obtain coverage for damage caused by flood or earthquake under separate endorsements if necessary. A typical homeowner policy covers not only the dwelling itself but also attached garages, detached structures on the property, and personal property against a wide variety of losses. A homeowners policy usually also provides some protection from liability. This includes damages arising from the home itself or the front yard when for example a neighbor slips on your sidewalk and is injured. Most homeowner policies provide some basic coverage for bodily injury and medical expenses. The coverage amount can be increased with additional premiums. To protect the home and personal property it is recommended that you purchase replacement cost coverage for your home rather than actual cash value. In most cases the cost difference is small.

The most common Connecticut homeowner policies include the following six basic coverage types: Dwelling, Other Structures, Personal Property, Loss of Use, Personal Liability and Medical Payments coverage. Generally, you will find the following basic homeowner's policies:

• HO-1 covers damage due to fire or lightning, windstorm or hail, vandalism or malicious mischief, theft, damage from vehicles and aircraft, explosion, riot or civil commotion, glass breakage, smoke, volcanic eruption, and personal liability.
• HO-2 covers perils listed in HO-1, plus building collapse; freezing or discharge of water from internal plumbing, heating, air-conditioning systems or domestic appliances, falling objects, weight of ice, snow or sleet, rupture or bursting of steam or hot water heating systems, and damage from sudden electrical currents to appliances or devices or fixtures or wiring.
• HO-3 is the most common policy. It typically covers loss to physical property except when caused by certain exclusions (e.g. earthquake and flood) and all perils covered by HO-2 for damage to or loss of personal property (damage to contents); and personal liability. A loss to the dwelling is settled on a usually replacement cost basis rather than an actual cost basis. Personal property losses are settled on the basis of actual cash value. For an additional premium, a special (HO-15) endorsement can be added to the HO-3 policy to provide “all-risks” coverage on unscheduled personal property.
• HO-5 provides all risk coverage for building and personal property but rarely used today. You may still have an HO-5 policy if you purchased your policy many years ago.
• HO-8 is for older homes it resembles the HO-1 policy, but provides limited theft coverage and loss settlements are usually based on actual cash value.
• HO-4 is intended for renters/tenants and covers personal property for all of the perils covered under HO-2 and personal liability. The HO-4 policy does not cover the house or apartment being rented since it would be covered under the landlord's policy.
• HO-6 is intnded for condominium owners and covers personal property and liability, their portions of the building and loss of use from the similar perils as covered under HO-2.

Coverage and exclusions within an insurance policy vary from insurance company to insurance company and policies can be complicated. Determination of loss coverage can also be complicated. For example, most major insurers today exclude mold from the standard policy and losses caused by mold contamination are covered under the homeowners policy only if it is the result of a covered peril. So if your mold is caused by a water pipe burst, it may be covered because bursting pipes are generally covered. However, if your mold is caused by a slow leak, condensation or poor maintenance then it would not be covered. Be sure to read your policy carefully and consult with an agent so you fully understand your policy. Be sure to review your policy options closely to determine which type of policy best suits your needs before purchasing. Seek the advice of a licensed agent to help make your decision.

Many homeowners insurance companies offer discounts for non-smokers, for having multiple policies with the same company, for installing certain security features and for a host of other reasons. Ask your agent about available discounts.

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