Home Insurance

Protect Your Home

Safeguard your home with tailored coverage.

Your home is your sanctuary, and protecting it is our priority. At Stratford Insurance, we provide customized homeowners insurance to keep your property and possessions secure. Let us help you find the right policy to protect your most valuable investment. Contact us today for a personalized quote.

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Dwelling Coverage

Your home’s structure deserves top-tier protection. Dwelling coverage helps safeguard against damages caused by fire, storms, vandalism, and more. Whether it’s your roof, walls, or built-in appliances, this coverage ensures the financial support you need to repair or rebuild your home. With Stratford Insurance, you can trust in coverage designed specifically for your property’s unique needs.

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Personal Property Coverage

From furniture to electronics, your belongings make your house a home. Personal property coverage provides financial assistance if your possessions are damaged, lost, or stolen due to a covered event. Whether you need to replace stolen jewelry or repair damaged electronics, Stratford Insurance offers comprehensive coverage to keep your everyday life running smoothly.

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Liability Protection

Accidents can happen when you least expect them. Liability protection covers expenses if someone is injured on your property or if you unintentionally cause damage to another person’s property. This includes legal fees, medical expenses, and settlement costs. With liability protection from Stratford Insurance, you can confidently host gatherings or handle life’s unexpected moments.

Some basic information that can help you better plan ahead.

  • What does a standard homeowners insurance policy cover?

    A standard policy typically covers your home’s structure, personal belongings, liability protection, and living expenses if you need to relocate temporarily. This comprehensive coverage ensures financial protection from common risks like fires, storms, or theft. Stratford Insurance works closely with you to customize your policy, ensuring it meets your specific needs and priorities.

  • Is flood damage covered under homeowners insurance?

    Standard homeowners insurance does not include flood damage. However, Stratford Insurance offers separate flood insurance policies to protect your home and belongings from water-related disasters. Whether you live in a flood-prone area or want added peace of mind, we’ll help you choose a policy tailored to your property’s location and risk level.

  • How can I lower my homeowners insurance premiums?

    There are several ways to save on premiums, such as bundling home and auto insurance, installing security systems, or raising your deductible. Maintaining a claims-free record can also help reduce costs. At Stratford Insurance, we’ll review your options and provide expert advice on maximizing savings while keeping your coverage comprehensive.

  • Does homeowners insurance cover natural disasters?

    Standard policies cover disasters like fire, windstorms, and hail, but some natural events, like earthquakes or floods, may require additional policies. Stratford Insurance specializes in identifying risks specific to your area. We’ll guide you in selecting supplemental policies to ensure your home is protected against a wide range of potential threats.

  • Can I customize my homeowners insurance policy?

    Absolutely! Stratford Insurance tailors policies to match your unique needs. Whether you require additional coverage for valuables, enhanced liability protection, or specific endorsements, we’ll create a plan that fits. Our goal is to ensure every detail of your policy reflects your lifestyle, property, and peace of mind.

Your peace of mind starts with protection.

With homeowners insurance from Stratford Insurance, you can rest easy knowing your home and belongings are secure. Contact our team today for a personalized quote and experience the Stratford difference.