Nor'easters, ice dams, hurricanes — we make sure your policy covers what CT actually throws at it.
Most homeowners assume their policy “covers storms.” Broadly true — and dangerously vague. The details are what people discover only after something happens. Wind damage is covered, but watch for a separate named-storm deductible, often 1–5% of insured value instead of a flat amount. On a $400,000 home, a 2% deductible means $8,000 out of pocket before coverage starts.
Then there's water. Standard homeowners policies exclude rising water — storm surge, overflowing rivers, heavy rain pooling. Ice dams and frozen pipes are a different story: interior damage is usually covered if the home was heated and maintained. We walk through your own policy's wording with you, line by line, so there are no surprises after the fact.
Houses and the life inside them.
Your unit, improvements, and liability.
Belongings and liability, usually surprisingly affordable.
Rental properties and the risks that come with tenants.
Manufactured and mobile homes, covered properly.
Extra liability above your home and auto limits.
Twenty minutes with your declarations page:
Want a second set of eyes? We'll walk through your policy line by line — free.
Some discounts aren't applied automatically. We go down the list with you, line by line.
Insuring home and auto with the same carrier is often the single biggest discount available.
Working from home or driving less? Your premium should reflect your actual miles.
Clean record, paperless billing, pay-in-full, and good-student discounts for teens.
No. Standard homeowners policies exclude rising water — storm surge, overflowing rivers, heavy rain pooling. Check your policy's water-damage wording, and ask us what your own policy covers.
Many Connecticut policies carry a separate deductible for named storms, often 1–5% of your home's insured value instead of a flat amount. On a $400,000 home, a 2% deductible means $8,000 out of pocket before coverage starts.
Most policies cover the interior water damage from ice dams, though roof coverage can be limited and insurers expect reasonable maintenance. Frozen and burst pipes are generally covered if the home was heated.
Your landlord's policy covers the building, not your belongings — or your liability if something you do damages the unit. Renters insurance is usually very affordable and covers both.
Flash Insurance Agency Inc is licensed in 42 states, including Connecticut. We don't write coverage in California, Florida, Alaska, Hawaii, Iowa, Kansas, Louisiana, Massachusetts, or Washington, D.C. — if you're in one of those places, we'll tell you straight instead of wasting your time.
A free policy review now beats a painful lesson later.
