William Pitt Sotheby's International Realty
Roni Agress, William Pitt Sotheby's International RealtyPhone: (203) 733-2656
Email: [email protected]

A basic guide to homeowners insurance

by Roni Agress 03/02/2025

House and text about homeowners insurance tips

Getting homeowners insurance can seem daunting. There are many insurance options with different coverages available, and you might be wondering which policy is best for you and your household. 

Don’t worry. The more you understand homeowners insurance, the easier the decision will be.


What is homeowners insurance?

Homeowners insurance provides financial protection to your home in the case of certain perils. This can include damages from hail, winds, lightning and more. 


What does homeowners insurance cover? 

Standard homeowners insurance financially covers up to 16 perils. A few of these perils are lighting strikes, fire, high winds and burglary. 

For example, your home may be damaged by strong winds due to a storm. Your policy would offer coverage after your deductible to repair damages to your home from the storm. 

Having homeowners insurance is essential, but may be a necessity depending on where you live. Some areas are prone to tropical storms. Others have yearly wildfires. Having homeowners insurance secures your home in the chance it’s damaged by these perils. 

Some perils such as flooding are not covered by standard insurance policies. You may need to purchase additional coverage if you live in areas prone to perils typically not covered. 


Additional ways to secure your home assets 

On top of having homeowners insurance, there are many additional ways to financially protect your home from perils:


  • Dedicate a savings account for home emergencies.
  • Install an alarm system to protect from possible home break-ins 
  • Secure and remove any items in your yard that could go flying during a storm.
  • Create and maintain an inventory of major assets inside your home

You work hard for your property. Keeping your assets safe is crucial. By protecting your space with homeowners insurance, taking time to examine your home's needs and investing in home protection products, you help to secure your space before peril can strike. 

About the Author
Author

Roni Agress

Roni Agress brings to William Pitt Sotheby’s International Realty an accomplished and diverse history spanning three decades in entertainment management. Her experience, representing and assisting international performing artists and the administration of their production companies led to the establishment of her own firm in 1995. A passion for excellence, a strong work ethic and a commitment to getting the job done and an ability to anticipate, meet and manage is the foundation upon which Roni has built her career as a full-time realtor. As a resident of Redding, Connecticut since 1989, she possesses a detailed knowledge of the local markets, trends and values. Enthusiasm, vitality, resourcefulness and a can-do spirit accompany every transaction. Roni specializes in residential sales and relocation. She is an award-winning Realtor, an Accredited Buyer Representative and is Relocation Certified. • 2001 to Present – Sales Associate Ridgefield-Redding Brokerage • Gold Star, Silver Star, and Bronze Star Performance Awards – William Pitt Sotheby’s International Realty • #14 Company-wide in Units and #2 in Units in the Ridgefield Brokerage in 2013 • CT Magazine Five Star Performance Awards • 2011-2014 serving as a Director/Officer to the Ridgefield Board of Realtors