Homeowners Insurance

Your home is your castle, and knowing you have the appropriate type and amount of protection makes it easier to rest your head at night. That’s where Sinclair Risk & Financial Management can become your home’s best friend.

The professionals at Sinclair have been our clients’ trusted agents for more than four decades, enabling homeowners throughout Connecticut to protect their biggest investment. Through the relationships we’ve developed with the finest insurance companies in the nation, we can custom-build a policy for your property, with features such as:

  • Replacement Value of Your Home: Extended Replacement Cost coverage can be added to your policy, ensuring your home is rebuilt to its pre-loss appearance with the same standards and quality of materials used originally.
  • Personal Property Coverage Amount: Optional Replacement Value coverage ensures your personal property is replaced at full value – so no deductions for depreciation apply, regardless of the age of your items. Our experts advise that this coverage should be selected on an “all-risk” basis. Also, we recommend you include expensive possessions (such as jewelry, collectibles, and art in a separate list.
  • Personal Liability: The appropriate amount of Personal Liability coverage to include in your policy may vary depending on the value of the assets you own. Please consult us to help determine what you need.
  • Special Coverages: High-risk assets such as fences, pools, outbuildings, etc. may have only minimal coverage under a standard Homeowners policy. We can help ensure you have sufficient protection. You may also want to consider a separate Flood policy if your home is in an area prone to flooding, as Homeowners insurance excludes this risk.

Amplifying your coverage is our experienced, knowledgeable, customer-centric professionals who will perform a careful assessment of your home to glean methods of minimizing the risks that may abound in and around your property.

We cover all the bases – including home plate.
Your greatest asset deserves an insurance program that’s as distinctive and original as the home itself. To learn more, please call us at 203.265.0996, email us, or return the form on this page to obtain a quote at no obligation.