Standard fire insurance is available for property in Connecticut that is in insurable condition. We provide Actual Cash Value - not replacement cost coverage. We provide very basic named peril coverage, which does not include perils such as theft, freezing, water damage, etc. Copies of Dwelling Form DP 00 01 or Commercial Form CP 00 99 are available upon request (see Forms section)

HABITATIONAL PROPERTY: 1 - 4 family owner or tenant occupied dwellings, condominiums and row houses.

PERSONAL LIABILITY: only 1 to 3 family occupied dwellings, 1 to 3 family vacant/unoccupied dwellings written in the name of an Estate and 1 to 3 family dwellings that are vacant/unoccupied under renovation are eligible.

COMMERCIAL PROPERTY: 5+ family apartment buildings, mercantile and manufacturing risks.

INELIGIBLE PROPERTIES: 1) Vacant property that is not in the name of an estate or not under renovation, and 2) Farm Property.

VACANT ESTATE: eligible for Fire, Extended Coverage, Vandalism & Malicious Mischief and Liability (subject to inspection) coverages but named insured has to be "the Estate of".

VACANT UNDER RENOVATION: Fire, Extended Coverage, Vandalism & Malicious Mischief are available for Dwellings and Commercial Property.  Liability is available on 1 - 3 family dwellings, subject to inspection.

BUILDER'S RISK: buildings under construction are written on a completed value basis. Evidence of construction, i.e. contracts, letter of intent must be provided.

COINSURANCE: commercial policies can be written with coinsurance of 80%, 90% or (flat) no coinsurance. Habitational policies are written flat.

SCHEDULE/BLANKET: Blanket coverage is not available. Schedules are no longer available, unless 2 or more buildings are on the same lot.  Each location will have a separate policy and requires a separate application.

DEDUCTIBLES Available:
Habitational - $250, $500, $1,000 or $2,500
Commercial - $500, $1,000, $2,500, $5,000, $10,000, $25,000, $50,000 and $75,000.

Deductibles for vacant buildings under renovation, under construction or in the name of an estate will be equal to 5% of Coverage A (building), subject to a minimum deductible of $1,000. Dwellings located within 2600' of the Connecticut shoreline will have two deductibles - one deductible for named perils and a separate hurricane deductible (5% of Coverage A - building). See our 'What's New" page for more information.