By Jon Merwin, Founder and CEO
Greenwich covers a lot of ground, from backcountry estates on several acres to shoreline homes in Old Greenwich, Riverside and Belle Haven. A home in Cos Cob along the Mianus River and a property off Round Hill Road ask very different things of an insurance policy. We start with the house, the land around it and what is inside, then match it to carriers that fit.
Portsmouth Atlantic Insurance is a family-owned independent agency founded in 2005 and licensed in 10 states. We work with 40+ carriers, charge no broker fees, and serve Greenwich homeowners from New Hampshire, with a Fairfield County office coming soon.
Insuring higher-value Greenwich homes
Many Greenwich homes need limits and terms beyond a standard homeowners form. For larger homes, we can quote high-value home coverage: Openly and National General write up to about $5 million, Cincinnati is our go-to over about $3 million, and Chubb, which focuses on high-value homes, joins it above $5 million. We look at extended or guaranteed replacement cost terms where available, cash settlement options, and coverage for detached garages, guest houses, pool houses and outbuildings. See our Greenwich high-value home insurance page. For rebuild cost, flood and hurricane deductibles on any Greenwich home, see our guide to homeowners insurance in Greenwich, CT.
Backcountry estates
North of the Merritt Parkway, many homes rely on private wells and sit farther from fire hydrants, often at the end of long private drives. Carriers look closely at central station fire and burglary alarms, sprinkler systems, backup generators and how a fire truck reaches the house. We gather those details up front so underwriters see the full picture.
Belle Haven, Old Greenwich and Riverside
Waterfront homes in Belle Haven, Old Greenwich and Riverside, including streets near Greenwich Point, face wind and coastal flooding from Long Island Sound. We review named-storm deductibles and pair the home policy with flood coverage sized to the property. See our Greenwich and Westport shoreline flood page for details.
Cos Cob and Byram
Cos Cob sits where the Mianus River meets the harbor, and Byram borders Port Chester along the Byram River. Homes in both can see river flooding as well as tidal water, and many are older houses with additions. We check that dwelling limits match a full rebuild and add water backup coverage where it makes sense.
Flood coverage for Greenwich shoreline and river homes
Flood is excluded from homeowners policies. We place NFIP policies through Selective as a Write Your Own carrier, and because federal limits may not reach the value of many Greenwich homes, we also compare private and excess flood from Flow Flood, Neptune Flood, Beyond Floods, The Flood Insurance Agency, CatCoverage and Aon Edge. See our flood insurance page for more.
Art, jewelry, wine and other collections
Homeowners policies cap what they pay for categories like jewelry, art and collectibles. Scheduling those items separately with agreed values usually gives broader protection. We help you list what you own and keep appraisals current.
Liability, household staff and umbrella coverage
Pools, tennis courts, horses, household employees and frequent entertaining all add liability exposure. A personal umbrella sits on top of your home and auto policies, and we line up the underlying limits so there are no gaps. If you employ household staff, ask us how your policies treat them.
Cars and collector vehicles
We can quote your family’s cars alongside the home, plus collector vehicles kept in the garage. Our Connecticut homeowners insurance page has more background.
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
Can you insure a Greenwich home worth several million dollars?
Yes. We compare Openly and National General for homes up to about $5 million, Cincinnati over about $3 million, and Chubb, which focuses on high-value homes, above $5 million, and we compare their replacement cost terms, deductibles and coverage for outbuildings.
Does a backcountry Greenwich home cost more to insure?
Carriers look at distance to a fire hydrant and fire station, private wells, long driveways and protective devices. Monitored alarms, sprinklers and backup generators can help a backcountry home’s underwriting, so we document them when we quote.
Is the federal flood program enough for a home in Old Greenwich or Belle Haven?
It may not be. NFIP building coverage has a federal limit, which may fall short for many Greenwich waterfront homes. We offer NFIP through Selective and compare private and excess flood options from several carriers.
How should I insure jewelry and art in my Greenwich home?
Schedule them. Homeowners policies limit what they pay for jewelry, art and collectibles, and scheduling items separately with appraised values usually gives broader coverage.
Do you have an office in Greenwich?
We serve Greenwich homeowners from New Hampshire, with a Fairfield County office coming soon. Call (603) 431-4020 or email insure@portsmouthatlanticins.com.
By Jon Merwin, Founder and CEO
Family-owned since 2005, with 1,000+ Google reviews and over 2,000 testimonials across our two offices. Meet our team.
Darien and Greenwich are both part of our Connecticut service area. See our Connecticut insurance agency page for other towns we serve.