Arthur D. Calfee Insurance Agency is excited to expand our services to Connecticut homeowners, families, and businesses.
As an independent insurance agency with more than 40 years of experience, we're committed to providing personalized guidance, responsive service, and insurance solutions tailored to your unique needs.
As an independent insurance agency with more than 40 years of experience, we're committed to providing personalized guidance, responsive service, and insurance solutions tailored to your unique needs.
Whether you're purchasing your first home, protecting a coastal property, reviewing your auto insurance, or growing your business, having the right insurance starts with understanding your options.
As Arthur D. Calfee Insurance Agency expands into Rhode Island, we're excited to help homeowners, families, and businesses make informed insurance decisions with the same personalized service we've provided for more than four decades.
As Arthur D. Calfee Insurance Agency expands into Rhode Island, we're excited to help homeowners, families, and businesses make informed insurance decisions with the same personalized service we've provided for more than four decades.
Last Updated: August 2026
How can Connecticut winters affect my homeowners insurance?
Connecticut winters can expose homes to frozen pipes, ice dams, heavy snow, fallen trees, and other cold-weather damage. Whether a particular loss is covered depends on what happened and the terms and conditions of your policy.
Preparing your home before winter can help reduce these risks. We'll also help you review your coverage so you understand how your policy may respond before severe winter weather arrives.
Preparing your home before winter can help reduce these risks. We'll also help you review your coverage so you understand how your policy may respond before severe winter weather arrives.
Do I need flood insurance if I don't live near the Connecticut coast?
Flooding isn't limited to coastal communities. Heavy rainfall, overflowing rivers and streams, drainage problems, and other sources of rising water can affect properties throughout Connecticut, including homes located well inland.
Because standard homeowners insurance generally doesn't cover flooding, it's worth understanding your property's individual exposure. We'll help you evaluate the risk and discuss whether separate flood insurance makes sense for your home.
Because standard homeowners insurance generally doesn't cover flooding, it's worth understanding your property's individual exposure. We'll help you evaluate the risk and discuss whether separate flood insurance makes sense for your home.
Does homeowners insurance cover damage from fallen trees in Connecticut?
It depends on what was damaged and what caused the tree to fall. Wind, snow, and severe storms can bring down trees and branches, but how your homeowners policy responds depends on the circumstances and your specific coverage.
If a tree damages your home, garage, fence, or another insured structure, document the damage and contact us. We'll help you understand the claims process and how your policy may respond.
If a tree damages your home, garage, fence, or another insured structure, document the damage and contact us. We'll help you understand the claims process and how your policy may respond.
I'm buying an older home in Connecticut. Will it be harder to insure?
Not necessarily, but older homes may receive additional attention from insurance companies. The age and condition of the roof, electrical wiring, plumbing, heating system, and other major components can all influence eligibility and coverage options.
If you're purchasing an older Connecticut home, contact us early in the process. We'll help you understand what information an insurance company may request and whether certain updates could affect your options.
If you're purchasing an older Connecticut home, contact us early in the process. We'll help you understand what information an insurance company may request and whether certain updates could affect your options.
Does living near the Connecticut coast affect my homeowners insurance?
It can. Homes along Long Island Sound and other coastal areas may have greater exposure to wind, hurricanes, storm surge, and flooding. Your property's location can affect insurance availability, deductibles, and underwriting requirements.
If you own or are considering a coastal Connecticut home, we'll help you understand how its location may affect your insurance and whether additional coverage should be considered.
If you own or are considering a coastal Connecticut home, we'll help you understand how its location may affect your insurance and whether additional coverage should be considered.
I'm buying a home in Connecticut. When should I start looking for homeowners insurance?
We recommend reaching out as soon as you have a signed purchase agreement.
Starting early gives us time to compare coverage options, answer your questions, and provide proof of insurance to your lender before closing. It's also a great opportunity to discuss replacement cost, liability coverage, deductibles, and whether additional protection may be appropriate for your home.
Our goal is to make the insurance process straightforward so you can focus on the excitement of becoming a homeowner.
Starting early gives us time to compare coverage options, answer your questions, and provide proof of insurance to your lender before closing. It's also a great opportunity to discuss replacement cost, liability coverage, deductibles, and whether additional protection may be appropriate for your home.
Our goal is to make the insurance process straightforward so you can focus on the excitement of becoming a homeowner.
I live near the Connecticut shoreline. Should I consider flood insurance?
It's definitely worth discussing.
Many homeowners assume their homeowners insurance covers flood damage, but that's generally not the case. Whether you live along the Long Island Sound, near a river, or in another flood-prone area, flood insurance may be an important part of your overall protection.
We'll review your property's location, discuss your flood exposure, and help you determine whether flood insurance is right for your situation.
Many homeowners assume their homeowners insurance covers flood damage, but that's generally not the case. Whether you live along the Long Island Sound, near a river, or in another flood-prone area, flood insurance may be an important part of your overall protection.
We'll review your property's location, discuss your flood exposure, and help you determine whether flood insurance is right for your situation.
Why did my homeowners insurance premium increase?
This is one of the most common questions we receive during renewal season.
Even if you haven't filed a claim, your premium may change because of rising construction costs, inflation, severe weather, and overall insurance market conditions.
We'll review your renewal with you, explain any changes, and help you understand whether there are opportunities to improve your coverage or take advantage of available discounts.
Even if you haven't filed a claim, your premium may change because of rising construction costs, inflation, severe weather, and overall insurance market conditions.
We'll review your renewal with you, explain any changes, and help you understand whether there are opportunities to improve your coverage or take advantage of available discounts.
I recently renovated my home. Do I need to update my insurance?
Yes.
Home improvements like kitchen remodels, room additions, finished basements, new roofs, or outdoor living spaces can all affect the cost to rebuild your home.
Whenever you make significant improvements, we recommend reviewing your policy so your coverage continues to reflect your home's current value.
Home improvements like kitchen remodels, room additions, finished basements, new roofs, or outdoor living spaces can all affect the cost to rebuild your home.
Whenever you make significant improvements, we recommend reviewing your policy so your coverage continues to reflect your home's current value.
My teenager just started driving. What should I know about my auto insurance?
Adding a new driver is a major milestone, and it's also the perfect time to review your auto insurance.
We'll explain how adding a licensed driver may affect your policy, discuss available discounts, and help you understand your coverage options so your family can feel confident on the road.
Every household is different, and we're here to help you choose protection that fits your family's needs.
We'll explain how adding a licensed driver may affect your policy, discuss available discounts, and help you understand your coverage options so your family can feel confident on the road.
Every household is different, and we're here to help you choose protection that fits your family's needs.
Can you review my current insurance even if I didn't purchase it through your agency?
Absolutely.
Many people contact us because they simply want another set of eyes on their current insurance. We'll review your policies, explain your coverage in plain language, and help identify any potential gaps or opportunities to better protect your home, vehicles, or business.
Our goal is to help you make informed decisions—whether you decide to make changes or not.
Many people contact us because they simply want another set of eyes on their current insurance. We'll review your policies, explain your coverage in plain language, and help identify any potential gaps or opportunities to better protect your home, vehicles, or business.
Our goal is to help you make informed decisions—whether you decide to make changes or not.
Why is an annual insurance review important?
Your insurance should evolve as your life changes.
If you've renovated your home, purchased a new vehicle, started a business, welcomed a new driver, or experienced another major life event, your insurance should be reviewed to make sure it still meets your needs.
We believe annual policy reviews are one of the best ways to help our clients stay protected and avoid unexpected coverage gaps.
If you've renovated your home, purchased a new vehicle, started a business, welcomed a new driver, or experienced another major life event, your insurance should be reviewed to make sure it still meets your needs.
We believe annual policy reviews are one of the best ways to help our clients stay protected and avoid unexpected coverage gaps.
Why choose Arthur D. Calfee Insurance Agency?
Choosing the right insurance agency is about more than finding a policy—it's about finding a team you can trust.
As an independent insurance agency, we work with multiple insurance carriers so we can compare coverage options and recommend solutions based on your unique needs. As we expand into Connecticut, we're committed to bringing the same personalized service, responsive support, and educational approach that has guided our agency for more than four decades.
Whether you're insuring your home, your vehicles, your business, or planning for the future, we're here to help you every step of the way.
As an independent insurance agency, we work with multiple insurance carriers so we can compare coverage options and recommend solutions based on your unique needs. As we expand into Connecticut, we're committed to bringing the same personalized service, responsive support, and educational approach that has guided our agency for more than four decades.
Whether you're insuring your home, your vehicles, your business, or planning for the future, we're here to help you every step of the way.
Don't see the answer you're looking for? We'd love to hear from you.
Many of the questions in our Knowledge Center come directly from conversations with our clients.
Submit your question below, and it may be featured in a future FAQ.
Many of the questions in our Knowledge Center come directly from conversations with our clients.
Submit your question below, and it may be featured in a future FAQ.
Every client has unique insurance needs, and we're committed to providing guidance that's personal, straightforward, and built around your goals.
Whether you're buying your first home, protecting a shoreline property, reviewing your current coverage, or simply looking for answers, we're here to help you make informed decisions with confidence.
If you'd like personalized guidance, contact Arthur D. Calfee Insurance Agency. We'll take the time to understand your needs, review your coverage, answer your questions, and help you find insurance solutions that fit your home, your family, and your future.
Whether you're buying your first home, protecting a shoreline property, reviewing your current coverage, or simply looking for answers, we're here to help you make informed decisions with confidence.
If you'd like personalized guidance, contact Arthur D. Calfee Insurance Agency. We'll take the time to understand your needs, review your coverage, answer your questions, and help you find insurance solutions that fit your home, your family, and your future.
