Homeowners Insurance in Manchester CT, South Windsor CT and All Connecticut Towns

Your home is likely your biggest investment. We shop trusted carriers like Travelers, Safeco, Openly, and Mapfre to find you the best coverage at a rate that fits your budget.

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We Protect What Matters Most

Buying home insurance online is easy, but buying the right insurance takes an expert. A generic policy often leaves gaps—like water backup or code upgrades—that you won't discover until it's too late. At River East Insurance, we review the details that matter: Replacement Cost vs. Market Value and liability limits that actually protect your assets.

Understanding Your Policy

Standard Protections

Dwelling Coverage Protects the physical structure of your home (roof, walls, foundation) against fire, storms, and vandalism. We calculate "Replacement Cost" to ensure you can rebuild even if material prices rise.

Personal Property Covers the cost of replacing your belongings—furniture, electronics, clothing—if they are damaged or stolen.

Liability Protection Protects you financially if someone is injured on your property or if you accidentally damage someone else’s property. This covers legal fees and settlements.

Additional Living Expenses (ALE) If a fire or storm makes your home uninhabitable, this pays for your hotel, food, and temporary living costs while repairs are made.

Critical Options & Extras

Water Backup & Sump Pump Critical in CT. Standard policies do NOT cover water backing up through sewers or drains. We strongly recommend adding this endorsement to protect finished basements.

Scheduled Personal Property Standard policies have limits on high-value items like jewelry, art, or guns. We can "schedule" these items to ensure they are covered for their full appraised value.

Flood Insurance Homeowners insurance does NOT cover floods. If you live near a water source, we can write a separate Flood Policy (NFIP or Private) to protect your home.

Umbrella Liability An extra layer of liability protection (usually $1M+) that kicks in when your home or auto limits are exhausted. Essential for protecting retirement savings.

Coverage For Any Living Situation

From historic Victorians to modern condos.

Homeowners (HO3/HO5)

Comprehensive coverage for single-family homes.

Dwelling Replacement Cost
Personal Property Protection
Liability Coverage
Openly & Travelers

Condo Insurance (HO6)

Designed for the unique needs of unit owners.

"Walls-In" Coverage
Loss Assessment Coverage
Personal Belongings
Liability Protection

Landlord (DP3)

Protect your rental income and property assets.

Rental Property Structure
Landlord Liability
Loss of Rental Income
Tenant Damage Protection

Renters Insurance (HO4)

Affordable protection for tenants.

Furniture & Electronics
Liability (Dog Bites/Slips)
Theft Protection
Portable Coverage (Travel)

Maximize Your Savings

Bundle & Save

Combine Home & Auto for discounts up to 20%.

Protective Devices

Discounts for central alarms, smoke detectors, and deadbolts.

New Home Buyer

Special rates for homes purchased in the last 12 months.

Claims Free

Significant savings for having no prior loss history.

Top Rated Home Carriers

We are independent. We shop the market so you don't have to.

Openly

Chubb

More Than Just a Policy

Before you renew your current home insurance policy, consider the value of an agency that stands by you for the long haul.

At River East Insurance, we don't just sell you a policy and disappear. We service your needs quickly throughout the year—whether you are renovating your kitchen, buying a rental property, or filing a storm claim. We believe in building relationships that last for years, not just months.

When your renewal approaches, we proactively shop your rates again to ensure you are still getting the best value on the market. We have been providing Manchester, Bolton, and surrounding CT towns with expertise and care. We are ready to help you with all of your future insurance needs.

River East Insurance | 545 N. Main St, Manchester, CT 06042

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Proudly Serving All of Connecticut

While our office is located in Manchester, CT, we help homeowners across the entire state find proper protection. From South Windsor and Vernon to Coventry and Ellington.