Why do you need to have home insurance?

Owning a home in the Manchester, CT area can be a great idea for a lot of people. When you are a property owner in this part of the state, you also need to make sure that you are insuring it the right way.

There are various reasons why you need to have a home insurance plan when you are here:

Protect Your Home

A reason to have a home insurance plan is to protect your dwelling. Your home is a significant asset that you will want to ensure is always properly covered and protected. If you are covered with home insurance, it will provide coverage to make repairs if damaged by a fire, weather damage, vandalism, or other covered issues. You will also receive a provision to provide coverage for your personal items. 

Reduce Liability Risks

It would also be a good idea to have home insurance to reduce your liability risks. Anyone that owns a home will take on some liability risks. If there is an accident on your property that leads to damages, you could be held responsible and will need to pay restitution. Fortunately, a home insurance plan will include coverage to cover these damages. This will provide valuable support during situations that are otherwise difficult. 

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Having home insurance is a necessity if you are in the Manchester, CT area. When you are trying to cover and protect your home, calling Brent Young Agency LLC is a great way to start. If you do call the team with Brent Young Agency LLC, you can get all of the support that you need to build your next plan. We take a customized approach to help understand your options and needs as you create your next policy. 

How Often Should I Review My Home Insurance Policy?

Most home insurance policies give you a 30-day grace period or more after your coverage. Ensure you’re updated on any required registrations and reporting. 

If there’s something outdated or not covered under the policy, address it or call Brent Young Agency LLC in Manchester, CT. 

What Entails Policy Review 

Many homeowners opt to set a due date in their calendar to review their policy each year. The best time to start reviewing your policy is at the beginning of the year. 

This is when you should look at your coverage levels, compare your policy to that of your neighbors, and renew your policy if necessary. After you’ve renewed your policy, don’t leave it up in the air — review it again in a few months’ time. 

The goal of reviewing your policy at the beginning of the year, at the end of the year, and in-between is to stay on top of things. Doing it regularly ensures that you always have a detailed knowledge of what’s covered and what’s not, as well as how much your policy will cost. 

First and foremost, you should always confirm that your home is insured. If you purchased your home recently, you may want to double-check that it’s covered by your mortgage lender’s policy. If you’re looking to add coverage to your home, you should compare the cost of that coverage to the cost of staying uninsured. 

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The frequency of home insurance policy reviews depends on the policy term length and the type of coverage you have. Most home insurance policies have a policy term length of three to five years. 

If you have a term length of less than five years, you should review your policy every year. The majority have a yearly policy term length. For expert aid, contact Brent Young Agency LLC in Manchester, CT.

What types of coverage does home insurance provide?

Home insurance is not just one type of insurance. A traditional home policy has four different types of coverage. You get property coverage, content cover, liability coverage, and loss of use coverage. Read your policy carefully to make sure that it includes all four. At Brent Young Agency LLC in Manchester, CT, we have a full-service independent insurance agency that has been serving customers throughout the state since 1990. 

Liability coverage

The world is full of things that can damage you financially and having the correct amount of liability insurance makes the difference between saving your assets and losing everything you have worked so hard for. Be sure that you have the right amount of liability coverage. Not having enough is a bad mistake. 

Loss of use

If your house is damaged to such a degree that it is not habitable, you will need a place to stay. Depending on the length of time you will be homeless, you may stay in a hotel for a short stay, but for longer times, a rental home may be the best option. In the short term, meals may also be covered. 


The physical structure of your home is protected from a variety of different hazards. It covers the roof, chimney, walls, basement, porch, deck and garage. It also covers detached structures on your property like a shed or casita. 


All of your personal possessions are also covered, though some items like art or jewelry have limits. If you have expensive things, you may need a rider. You can choose a replacement cost or current value when it comes to your content. The current value allows for depreciation when determining the value. You may not get enough to replace some items. 

Contact Brent Young Agency LLC in Manchester, CT when you are ready to discuss your home insurance. 

Keeping your home safe when you are away

Getting away is something that everyone looks forward to. With rising crime rates, however, you may worry about leaving your home unattended. It isn’t an unreasonable worry, but there are some things that you can do to make your home safer while you are away. At Brent Young Agency LLC in Manchester, CT, we work with our customers to customize their home insurance to their needs. As independent agents, we work for our customers, not for the insurance company. 

The first thing you need to do is to install a home security system. These days, it is neither expensive nor difficult. Many of them are DIY projects and you don’t have to opt for professional monitoring, you can monitor it yourself on your phone. If you already have a system, make sure it is armed when you leave the house. 

Stop your mail. Stop it a day or two before you actually leave to make sure your mailman actually stops the delivery. Make sure you don’t have any packages scheduled for delivery. You don’t want anything piling up at your door.

Have a friend or a relative check on your home. Also, let your next-door neighbor know that you are going to be away. It is always good to have several sets of eyes checking on your home. 

Don’t announce your plans on social media. Don’t post pictures while you are away telling the world that no one is at your home. You will have plenty of time when you get back to share all the details of your time away. 

There is no way to guarantee that your home will be safe while you are away, but if you follow these suggestions, you have a reasonably good chance that all will go well. 

Contact Brent Young Agency LLC in Manchester, CT when you are ready to discuss your home insurance coverage. 

What home insurance do you need for your Connecticut home?

Homeowners in Connecticut live in one of the most scenic states in the country. But even though it is scenic, that doesn’t mean the risks of living there are any less. Manchester, CT is a Hartford suburb that offers good schools and affordable housing. At Brent Young Agency LLC, we are independent agents who provide our customers with access to more carriers and an experienced team to make sure you get the insurance you need. 

The laws in Connecticut don’t require that homeowners have home insurance. If, however, you have a mortgage, the lender will require it. Even if you don’t have a mortgage, given the fact that purchasing a home in Connecticut is one of the biggest investments you will ever make, you will want to protect it. Your local independent insurance agent can help you find the right policy for your needs. 

Home insurance offers several different types of coverage. It protects the physical structure of your home as well as other structures on your property. It covers the contents of the home and structures. It provides liability coverage for you and family members and it also provides loss of use protection. 

Structure coverage protects against a variety of perils. Things like tornados, fire and theft. It covers the home, a deck, a porch, attached and detached garage, a shed or casita. 

When it comes to content, you have choices about the type of replacement you get. You can choose cash value or replacement cost. 

Liability protection is important and safeguards your assets from suits that may be brought against you or your family members. 

If your home is damaged, loss of use allows you to stay in a hotel or get a rental while you are waiting for repairs to be completed. 

If you live in Manchester, CT or the surrounding area, the Brent Young Agency LLC can help you to find the perfect home insurance for your home.