When it comes to protecting your home, having a standard homeowners insurance policy in Connecticut is a smart first step—but is it enough? Many homeowners assume they’re fully covered, only to find out after a claim that important risks were excluded. Let’s take a closer look at some commonly overlooked coverage gaps and how you can better protect your biggest investment.
1. Flooding Isn’t Covered
One of the most common surprises for Connecticut homeowners is that flood damage isn’t included in a standard policy. Whether it’s due to a coastal storm, spring thaw, or flash flood, you’ll need a separate flood insurance policy through the National Flood Insurance Program (NFIP) or a private carrier to be protected.
2. Sewer Backup and Sump Pump Failure
Basement damage caused by a sewer or sump pump backup is rarely covered under a basic policy. A simple add-on—often for just a few dollars a month—can save you thousands in cleanup and repair costs.
3. Liability for Backyard Accidents
Summer barbecues, pools, and trampolines can turn into liability risks. If a guest gets injured on your property, your liability coverage kicks in—but is it enough? Many policies come with standard limits that might not cover medical bills or legal fees. An umbrella insurance policy can add an extra layer of protection for peace of mind.
4. Earthquake Damage
While rare in Connecticut, minor quakes can still cause structural damage. Earthquake coverage is another separate policy or rider worth considering, especially for older homes or those with stone foundations.
5. Valuable Personal Property Limits
Do you have expensive jewelry, electronics, or collectibles? Your policy might have a limit on how much it will pay out for certain items. A scheduled personal property endorsement ensures high-value items are properly covered.
Know Before You Need It
At Petruzelo Insurance, we encourage our clients to review their policies annually—especially before storm season. Our team takes the time to identify gaps and offer tailored coverage solutions based on your home, lifestyle, and risk exposure. Don’t wait until a disaster strikes to find out you’re underinsured. Contact Petruzelo Insurance today for a free coverage review and make sure your policy protects you from the unexpected.