CT Home Insurance

Home Insurance for Southington and the surrounding areas throughout Connecticut.

Your home is often the most significant and costly investment you will make in a lifetime. In order to make sure that you have all the coverage you need, it’s best to understand the standard items covered by a Homeowners Insurance Policy, as well as the additional coverage options available, if your regular policy doesn’t pick them up.

Person holding keys

CT Homeowners Coverage

Your Connecticut home is more than a place to live – it’s where your memories are made, your family gathers, and your dreams take root. At Dryden Insurance Agency, we help homeowners across Southington and the surrounding areas throughout Connecticut safeguard what matters most with personalized home insurance coverage that fits your lifestyle and budget.

  • DWELLING – Dwelling covers the physical structure of your home, such as the walls, foundation, roof, and siding.
  • OTHER STRUCTURES – If you have buildings on your property other than the primary residence, such as a separate garage, carriage house, greenhouse, or shed, this coverage would protect those structures.
  • PERSONAL PROPERTY – The belongings inside your home such as furniture, electronics, clothing, collectibles, and other items that are stored inside your home are insured by this type of insurance.
  • LIABILITY PROTECTION – Liability insurance can cover you in the event that a visitor makes a claim against you after being injured on your property.
  • GUEST MEDICAL PROTECTION – If someone is injured on your property, this type of coverage can help pay for their medical bills.
  • ADDITIONAL PROTECTION – Depending on the carrier you choose, more protections may be included in your policy. Extra coverage certainly is advisable depending on the value of your home, the location, and unexpected events that can arise. One valuable source of additional protection is Reimbursed Living Expenses Coverage. This type of insurance can help pay for a hike in living costs after a covered loss, such as a hotel stay if your house became uninhabitable.

Optional Homeowners Coverage

  • Scheduled personal property: Covers appraised valuables such as jewelry or fine antiques.
  • Water Backup: Helps protect against water damage resulting from drain backups or broken sump pumps.
  • Business Property: If you store business-related items in your home, such as inventory you intend to sell, office equipment, and paperwork, this coverage can help you recover losses.
  • Identity Theft Restoration: If your identity is stolen, you may use this coverage for legal fees, lost income, and other damages associated with the event.
  • Extended Dwelling Coverage: gives you extra coverage added to the Dwelling Coverage portion of your home policy. Its a cushion coverage in case of a total loss of home and it ends up costing more than the stated dwelling amount.

Areas We Serve

We’re dedicated to helping you stay protected — no matter where the road takes you.

We proudly serve Southington, Plainville and all surrounding areas, including Avon, Berlin, Bloomfield, Bristol, Burlington, Canton, East Granby, East Hartford, East Windsor, Enfield, Farmington, Glastonbury, Granby, Hartford, Manchester, Marlborough, New Britain, Newington, Rocky Hill, Simsbury, South Windsor, Southington, Suffield, West Hartford, Wethersfield, Windsor and Windsor Locks.

Outdoor Foliage in Woods

Why Homeowners Choose Dryden Insurance Agency

  • Local Expertise: As part of the Southington and Plainville communities, we understand Connecticut’s unique housing market, weather risks, and insurance requirements.
  • Independent Advantage: We work with multiple top-rated insurance carriers to compare policies and find you the best coverage at the best rate.
  • Personal Service: Our experienced agents take the time to understand your needs — so you’re never just another policy number.