By Jon Merwin, Founder and CEO
Milford has a long stretch of Long Island Sound shoreline, and much of its housing grew up around the beaches: small summer cottages, many since turned into year-round homes, next to newer houses built higher off the ground. Inland, Milford has typical Connecticut suburbs and condos. The beach side and the inland side need different conversations about homeowners insurance.
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 Milford homeowners. Renting in Milford? See our page on renters insurance in Milford. For more detail, see our guides to homeowners insurance in Milford, CT and car insurance in Milford, CT, plus flood insurance in Milford, CT. Call (603) 431-4020.
Homeowners insurance in Milford
Converted beach cottages
Cottages converted to year-round use may not meet current building codes. If one has to be rebuilt after a loss, the town may require upgrades, and in a flood zone possibly elevation. Ordinance or law coverage helps pay for code-required work, so we look at how much you have, not just the dwelling limit. Nearby, see Orange, CT home insurance, West Haven and Shelton.
Hurricane deductibles
Connecticut homeowners policies near the coast often carry a hurricane deductible figured as a percentage of the dwelling limit. Know what yours is in dollars before storm season, not after.
Flood near the shore and the Wepawaug River
Many beach-area homes sit in flood zones where lenders require flood insurance, and neighborhoods along the Wepawaug River and other low areas can take on water too.
Homeowners policies exclude flood. We write NFIP policies through Selective, a Write Your Own carrier, and compare private flood from Flow Flood, Neptune Flood, Beyond Floods, The Flood Insurance Agency, CatCoverage and Aon Edge. Check your address on the FEMA Flood Map Service Center.
Inland homes and condos
Away from the beach, the common claims are water damage from burst pipes and ice dams, and water backup in finished basements, which usually needs its own endorsement. Condo owners need an HO-6 policy that fills gaps in the master policy.
Nearby and related pages
We serve Milford homeowners. We also insure homes in Fairfield and Norwalk. See coastal home insurance in Connecticut and add a personal umbrella for more liability protection.
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 my converted Milford beach cottage harder to insure?
It can be. Carriers look at age, construction, elevation and flood zone. Ordinance or law coverage matters if the town requires upgrades after a loss.
What is a hurricane deductible?
A separate deductible that applies to hurricane damage, often a percentage of the dwelling limit. We explain it in dollars before you choose a policy.
Do I need flood insurance away from the beach?
Possibly. Homes near the Wepawaug River or other low areas can flood. Homeowners policies exclude flood.
Which carriers do you use for Milford homes?
For most Milford homes, valued under about $2 million, most of our 40+ carriers are options. Cincinnati, a high-value carrier that writes homes at any dwelling limit, usually wants at least about $150,000 in dwelling coverage.
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.
Milford is part of our Connecticut service area. See our Connecticut insurance agency page for other towns we serve.