Personal Insurance Coverage in CT

Boats on the Connecticut Coastline

Personal Insurance

Kettle Creek can create a program of insurance that is customized to your unique needs. We enjoy broad market access and have access to numerous high quality insurance companies offering the desired products.

Packaged Policies

In our experience, the most cost effective as well as comprehensive approach to buying insurance is to purchase all of your personal insurances from one insurance carrier including your Homeowners, Automobile and Umbrella policies. Within this packaged approach, other coverage can easily be added. The building blocks include:

Homeowners Protection – The biggest investment most people will ever make is in their home. It is imperative that your homeowner’s insurance properly reflects the replacement cost value of your home and, other structures on your property, the replacement cost of your personal belongings, and provide compensations for loss of use, medical payments and liability protection. It is also imperative that you are insured for the broadest possible types of perils that can cause loss. Not all insurance is created equal, and Kettle Creek can structure a plan that provides coverage for the most exhaustive causes of loss. A plan can be tailored by us to that take into account your unique circumstances.

Collections – By definition, collections are unique and of value greater than their actual replacement cost. Collections can include but are not limited to jewelry, fine arts, rare books, statuary and more. Covering these items as part of a homeowner’s has many pitfalls including limitation on coverage and valuation. Kettle Creek has unique expertise in this having clients with very rare and unique collections ranging from fine wine to rare manuscripts.

Personal Automobile Protection – To properly protect yourself and your family, it is important that you purchase the proper level of coverage for your unique circumstances. Third party liability protection for bodily injury and property damage, uninsured/under-insured motorists, medical payments and physical damage limits can all be customized. Kettle Creek will assist you in determining the appropriate automobile coverage and limits that are’s right for you.

Umbrella Protection – Risks arise out of yours and your family’s activities and from use of your premises that may far exceed the liability limits of the underlying policies. You do not have to be a millionaire to be sued like one. Umbrella insurance adds liability limits in excess of the underlying policies in increments of $1 million, and in some instances, coverage may be broader than that of the underlying policies. The cost of this coverage is relatively inexpensive. Kettle Creek will be pleased to assist you in determining the right amount of umbrella liability protection that you should buy.

Personal Insurance coverage available includes:

  • Residential Buildings and Personal Property
  • Loss of Use
  • Personal Primary and Umbrella Liability
  • Fine Arts and Collections
  • Automobile Liability and Physical Damage
  • Collector and Antique Cars
  • Watercraft and Yacht Insurance
  • Aviation Insurance
  • Equine Insurance
  • Workers’ Compensation and Employers’ Liability
  • Employment Practices Liability
  • Kidnap and Ransom
  • Not-for-profit Trustees and Directors and Officers Liability
  • Assets Used For the Production of Income
  • Expatriate Coverage
  • Travel Insurance
  • Green Rebuilding