By Jon Merwin, Founder and CEO
Avon sits in the Farmington Valley, with the Farmington River running through town and Talcott Mountain rising along the east side. Homeowners here deal with inland Connecticut weather: heavy snow and ice, big trees over the roof, and river and brook flooding rather than storm surge. Those risks shape what a good Avon homeowners policy looks like.
Portsmouth Atlantic Insurance is a family-owned independent agency founded in 2005 and licensed in 10 states. We compare home coverage from 40+ carriers and serve Avon homeowners.
What shapes homeowners insurance in Avon
The October 2011 snowstorm and tree damage
The Halloween-weekend nor’easter of 2011 dropped heavy, wet snow on trees still in leaf, and the Farmington Valley was among the hardest-hit parts of the state, with many homes out of power for more than a week. Wind and tree damage to a house is generally covered; spoiled food, frozen pipes in a cold house and debris removal carry tighter limits. A generator and a low-temperature alarm are worth noting when we quote.
The Farmington River and its brooks
Homes on low ground near the Farmington River and the brooks that feed it can flood in heavy rain or spring melt. Flood is excluded from homeowners policies, so check your address on the FEMA Flood Map Service Center and ask us about flood insurance.
Hillside homes and finished basements
Houses along the slopes of Talcott Mountain and in Avon’s newer subdivisions often have finished lower levels. Water backup from a failed sump pump or drain is a separate, optional coverage, and we check the limit fits what is downstairs.
Larger homes
Avon has many larger houses on wooded lots. For larger homes, Openly and National General write up to about $5 million. Cincinnati and Chubb both write homes at any dwelling limit, so we quote both. See our Connecticut high-value home insurance page and consider a personal umbrella.
More Connecticut resources
Our Connecticut homeowners insurance guide covers statewide topics, and we also serve neighboring Simsbury and Farmington, plus Glastonbury, Ridgefield and other Connecticut towns.
Get your quote
Tell us about the house and we will follow up with options. Prefer to talk? Call (603) 431-4020 or use our quote page.
Frequently asked questions
Is tree damage covered on an Avon homeowners policy?
Damage when a tree falls on your house is generally covered. Removing a tree that falls without hitting a covered structure usually has tight limits or none.
Do I need flood insurance near the Farmington River?
Consider it if your home is on low ground near the river or a brook. Homeowners policies exclude flood.
Should I add water backup coverage?
If you have a finished basement, yes. Water backup from a sump pump or drain is a separate coverage with its own limit.
Which carriers do you use for Avon homes?
We compare coverage from 40+ carriers. For larger homes, Openly and National General write up to about $5 million. Cincinnati and Chubb both write homes at any dwelling limit, so we quote both.
Does requesting a quote obligate me to buy?
No. Requesting a quote doesn’t obligate you to buy anything, whether it’s for home, auto, flood or umbrella coverage.
By Jon Merwin, Founder and CEO
Family-owned since 2005, with 1,000+ Google reviews and over 2,000 testimonials. Meet our team.
Avon is part of our Connecticut service area. See our Connecticut insurance agency page for other towns we serve, or our Hartford County, CT insurance guide for the rest of the county.