Personal Insurance

Homeowners Insurance

At the Independent Insurance Center, we understand that for most people your home is your largest investment and protecting that investment is one of your highest priorities. But your home is more than just an investment; it’s where you live, raise your children and store your cherished memories. A well-designed homeowner’s insurance policy will protect your home and belongings against loss and damage caused by theft, vandalism, fire, storms, wind, lightning and many of life’s other hurdles.

If you are considering purchasing or building a new home, let us help. We know how stressful it can be to move to a new home. Let us do some of the leg work by working directly with your real estate agent, mortgage lender, and attorney to make sure your closing goes as smoothly as possible.

As an independent agency we represent many of the major insurance carriers in the State of Connecticut and our licensed agents can assess your situation and determine the proper coverage to protect the following:

• The entire structure of your home, including the roof and external walls
• The contents of your home and your personal possessions.
• Your personal liability in the event someone is injured or their property is damaged
• and more…

What’s Not Covered – Flood & Earthquake Insurance

Flood & earthquake damage to your home is not covered by your Homeowners insurance policy and can be insured only with a flood insurance policy .

Condo/Renters Insurance

If you are living in an apartment or condominium you don’t need to protect the structure you live in (that’s the landlord’s job) but you do need to protect the items that are important to you such as your furniture, electronics, sporting goods and clothes. Your renter’s policy covers your personal property against theft or damage as well as liability coverage. Your condominium policy offers the same coverage as the renter’s policy but in addition it also covers any additions, alterations and improvements you make to your condo.

At the Independent Insurance Center our licensed agents can work with you to choose the proper coverage and since we are an independent agency we can compare price and value among the majority of the major insurance carriers in the State of Connecticut. So let us help you choose the coverage for the following:

• The contents of your home and your personal possessions.
• Your personal liability in the event someone is injured or their property is damaged.
• and more…

Umbrella Insurance

What is an umbrella policy? It doesn’t protect you from the rain but it does cover you in other ways. Umbrella insurance is liability insurance that is in excess of your other policies and can be used as primary insurance for losses not covered by other policies. It is designed to help protect you from major claims and lawsuits and as a result it helps protect your assets and your future.

At the Independent Insurance Center our licensed agents can help you understand the different types of umbrella coverage and how that coverage will protect you. As your trusted umbrella insurance source we can work with you to select the correct insurance to protect you from things such as:

• Bodily Injury Liability
• Property Damage Liability
• Landlord Liability
• Slander, libel, false arrest, and other personal liability situations
• and more…

Motorcycle Insurance

Owning a motorcycle can be an exciting and exhilarating experience but whether you are a casual rider or a hardcore motorcyclist you never know when or if an accident will happen. It is crucial to have the right protection. For you this means having the correct gear such as helmets, jackets and glasses. On addition you should have the right insurance policy to protect both you and your motorcycle.

Let the Independent Insurance Center help you get the right insurance policy. Our agency can provide you with a policy that can offer the following protection:

• Coverage for your bike
• Coverage for your bike’s accessories
• Liability insurance
• Accident protection
• Passenger protection
• Breakdown protection
• Replacement cost coverage
• and more…

Recreational Vehicles Insurance

Recreational vehicles are more than just vehicles; they transport you to another world of fun and adventure. But your recreation vehicle is, just like an automobile, a moving vehicle that can cause bodily injury and property damage to yourself and others. You can protect your motor home, boat, ATV, snowmobile or other recreational vehicle against financial loss from accidents, vandalism and many other situations.

Although recreational vehicles are meant for fun, you should still have the Independent Insurance Center provide you with the same insurance protection as any of your other property. As an independent agent we can shop among many different insurance companies to help you get the correct coverage at the best price. Let our licensed agents protect you, your passengers and your investment with policies that cover:

• Motor homes
• ATVs and dirt bikes
• Snowmobiles
• Trailers
• Boats of all types
• Jet Skis, and other personal watercraft
• and more…

Day Care Insurance

Running a day-care business? When children are around, anything can happen, especially accidents. You only have to take your eyes off the children for a second and oops, it happened! These accidents could leave you and/or your business exposed to an enormous liability if you are not properly insured.

At the Independent Insurance Center we know that many people with professional daycare shop for insurance with one thing in mind; price. But it is important to ask what type of loss can the business sustain? At the Independent Insurance Center we help you to balance the coverage you need with the best price we can find. Let our licensed agents protect you, your business and your children with policies that cover:

• Bodily Injury Liability
• Property Damage Liability
• Abuse & Sexual Molestation Insurance (Optional)
• Personal Injury (Optional)
• and more…

Flood Insurance

Floods have been around throughout mankind’s history and yet your basic homeowner’s insurance does not offer flood protection. Many homeowners are unaware of this fact until it is discovered after the damage is done and the damage caused by the flood is excluded. Since your homeowners insurance doesn’t cover flooding, it’s important to have protection from the floods associated with storms, and other conditions that cause flooding. Flood insurance protects your building and your personal property but it does not protect the land that you occupy.

At the Independent Insurance Center we help you to balance the coverage you need with the best price we can find.

Individual Health Insurance

If you are self-employed or do not have access to employer group health plans we can help guide you in selecting a plan that fits your healthcare needs and your budget. We offer the individual health plans through the following carriers:

• Anthem
• Connecticare
• HealthyCT
• Golden Rule/United Healthcare