The east coast is known for its hard-hitting storms and damaging winds. If you do not have homeowners insurance when one of these hits, you stand to lose everything you own. Here's how to get cheap homeowners insurance in Connecticut with a reliable insurance company.

Homeowners Insurance Coverage

Homeowners insurance not only protects your home, it also protects your personal property and your assets. Here's what covers:

* Structural coverage – Homeowners insurance will pay for repairs or rebuilding costs when your home is damaged or destroyed by fire, vandalism, plumbing leaks, or storms. Standard policies do not cover damage caused by flooding, but you can purchase this coverage if you need it.

The amount of homeowners insurance you need should cover the cost of rebuilding your home. You can find out how much this would cost from a local builder or real estate agent.

* Personal property coverage – Homeowners insurance will pay for replacing your personal property when it's damaged or destroyed by fire, vandalism, plumbing leaks, or storms.

The amount of personal property coverage you need should be enough to equal the total value of all your possessions – clothing, furniture, jewelry, electronics, appliances, tools, sports equipment, kitchenware, musical instruments, books, CDs, linens, etc.

* Personal liability coverage – Homeowners insurance will pay for an injured person's medical bill and personal property damage repairs when you're found to be at fault. It will also pay for your court costs and your legal fees.

The amount of personal liability coverage you need should be at least enough to cover your assets – checking accounts, savings accounts, CDs. mutual funds, stocks, bonds, etc. Most policy holders carry $ 100,000 to $ 300,000 worth of coverage.

Cheap Connecticut Homeowners Insurance Quotes

In order to get the best price on Connecticut homeowners insurance you need to spend some time comparison shopping. Fortunately, this will only take a few minutes if you do it at an insurance comparison website.

When you go to one of these sites you'll fill out a short form with your insurance information and the amount of coverage you want, then wait to get quotes from multiple insurance companies (see link below). After you get your quotes you simply choose the cheapest one.