If you own a car in Connecticut, you must have Auto insurance. The state mandates minimum amounts of Auto Insurance coverage, but for a variety of reasons, it is often wise to purchase more Auto Insurance coverage than those legal mandates. However, you do have some flexibility when it comes to the amount car insurance and type of Auto insurance you purchase.

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Required Coverage:

Bodily Injury Liability

Property Damage 

Uninsured / Underinsured Motorists

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Optional Coverage:

Collision Coverage                           

Medical Payment Coverage

Comprehensive Coverage               

Towing Coverage

Full Glass Coverage                         

Rental Reimbursement 

Unlike auto insurance, homeowners insurance is not required by law. However, lending institutions require it in order to get and keep a mortgage. Typically, consumers believe that the policy terms required by their lenders represent “OK” levels of insurance, but this isn't always true. Lenders always make sure their exposure is covered, but that can happen without you being fully protected. Thus, it’s important that you calculate your needs as well and make sure they are reflected in your coverage.

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Standard Homeowners Policy Coverage:

Dwelling

Personal Property

Liability

Coverage for additional living expenses.

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Most policies also allow you to add additional coverage for additional premium through endorsements.