Homeowners Insurance

Our agents at The Olderman and Hallihan Agency know that every homeowner has unique needs when buying homeowners insurance. We understand that your home is most likely your largest investment which is why we take the time to design a policy that protects you and your investment.

What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters. A standard policy insures the home itself and the things you keep in it.

Homeowners insurance is a package policy. This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people. This includes damage caused by household pets.

Damage caused by most disasters is covered but there are exceptions. The most significant are damage caused by floods, earthquakes and poor maintenance. You must buy two separate policies for flood and earthquake coverage. Maintenance-related problems are the homeowners’ responsibility.

Why do you need homeowners insurance?

It is really all about protecting yourself financially if something unexpected happens to your home or possessions. That’s important because chances are your home is likely one of your largest investments.

If your home was destroyed by fire or damaged by a natural disaster, you’d need money to repair or replace it.
If a guest in your home is injured, liability protection and medical coverage help pay expenses.
If you are a victim of theft and vandalism, it can reimburse you for your loss or pay for repairs.
If you are still paying for your home, your lender will require insurance.

It is important to know that homeowners insurance is meant to cover unexpected damage, not routine maintenance. Ask your agent to talk about what is covered and be sure to read your policy so you know exactly what’s included and what is not.

Things to consider when inquiring about a homeowners policy

How much will it cost to rebuild my house and replace my belongings if they are damaged or destroyed? (Ask your agent to talk you through your home’s features and the things you own so you can make an informed decision about coverage.)
Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
What discounts are available? (Ask about multiple policy, security system and fire resistance discounts.)
What’s the process for filing and settling a claim? (Ask who to call and what happens after you file a claim.)

Our agents look forward to helping you find affordable and comprehensive coverage designed to protect your largest asset. For more information call us at (203) 734-1601 or Contact Us today!

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Medicare Supplements

Medicare is a government-sponsored health insurance program for people who are 65 or older. Typically, Medicare plans cover about 64 percent of your annual health care expenses. Many choose Medicare Supplements to help cover most of the remaining 36 percent of medical costs not covered by their Medicare plan.

Connecticut offers a number of plans under its Medicare Supplement Health Insurance. Some plans cover extra expenses like deductible costs, co-payments and coinsurance. Others offer coverage for prescriptions, vision, and dental. Deciding which supplement plan is best for you can become confusing and frustrating.

The Olderman & Hallihan Agency is prepared to answer any questions you may have about Medicare Supplements. Our agents will explain your options and design a plan that gives you the comfort of knowing your medical expenses are covered.

You may call The Olderman & Hallihan Agency at (203) 734-1601 to speak with one of our agents or Contact Us and we will set up a time to go over your Medicare Supplements needs.

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