We use our experience to make sure your most valuable asset is covered

Your home can be one of your most valuable financial assets. That is why at the Comstock agency we feel it is so important to make sure you have the insurance coverage that protects you against financial loss. We will not only help you find the lowest prices offered by insurance companies in the industry, but we also use our experience from the many claims we have handled to make sure you have the right coverage.

We can also provide additional riders for:

• Jewelry and valuables in excess of what most insurance typically covers
• A home office
• Extra liability

H.S. Comstock offers Homeowners' Insurance discounts

You can get discounts for…

• Having an alarm
• Having a new home
• Have working smoke detectors
• Being claim free in the past
• Insuring your vehicles with the same company

Flexible, affordable Insurance that meets your needs

From workday traffic to weekend getaways, your car takes you where you need to go. At Comstock insurance, we don't just insure your car, we ensure your independence. We offer flexible affordable coverage options to meet the needs of every driver. In addition, you may qualify for a range of cost savings discounts and credits.

Insure your car with Comstock. We'll get you the policy you need. Automotive insurance from Comstock Insurance can also cover:

• Vandalism
• Theft
• Windshield Repair
• Accidents with Wildlife
• Lost Wages
• Extra Medical Expenses
• Pet Injuries
• Damages Done to a Rental Vehicle

H.S. Comstock offers Auto discounts

You can get discounts for…

• Being a safe driver
• Being a good student
• Driving a safe car
• Having a car alarm and or lowjack
• Having a homeowners policy with your auto Insurance carrier
• Multi car credit

Going beyond the usual limits

Umbrella policies provide you with an additional layer of security. Umbrella policies can protect you from serious liability issues that go beyond the liability limits of standard insurance policies, such as your homeowners insurance, car insurance, etc. At the Comstock agency we can help you understand the protection an umbrella policy provides.

Some of these include:

• False Arrest
• Libel
• Slander
• Invasion of Privacy

Fully protect yourself with Comstock Insurance. Not just insurance… assurance.

Individual and family health insurance rates in Connecticut have been challenging of late, with insurers raising rates on policies at a rate much higher than inflation. Since the Comstock Insurance Agency is not bound to any one company, we can shop around to get you the best possible deal on yur health coverage and find affordable ways to manage your healthcare needs.

Reading your by-laws is the key

If you own a condo or a townhouse, you have different insurance needs than the typical home insurance policy offers. Not only do you own your individual condo, you also share ownership in the common areas and the overall structure of your building. Although your association dues help pay for the upkeep of the common areas, they do not typically cover your personal property within your own unit or your liability if someone is injured on your property. At the Comstock agency we can help you understand what coverage's are best for you as a condo owner.

We know how to read your association by-laws to best protect you and get you the best deal on your policy. We can even protect you with loss-assessment damage, to cover you in the event that the Association has a high deductible on their insurance.

Insuring the contents of your rented space

You may not own your property, but you still need to protect yourself and your belongings. Whether you rent a house or an apartment, renters insurance is important. Many renters make the mistake of relying on their landlord's insurance policy to protect them in the event of a loss. Call us at the Comstock agency to discuss the different coverage's available to you as a renter.

Need help in estimating the value of your belongings? Let Comstock Insurance work with you on an affordable way to insure the replacement value of all of your belongings. And your coverage will also include liability protection, which covers injury to another person on your property.

Homeowners'Insurance does not cover flooding

Over the last several years flooding has occurred in areas that are not considered a flood zone and your homeowner's policy does not cover floods. Flood insurance offers protection against losses that result from heavy and lengthy rainfalls, storm surges, blocked storm drains, snow melts, etc. The Comstock agency can help you decide if flood insurance is a policy for you.

If you are in a high-risk area, facing a 1% annual chance of flooding (or more), you may be required by your mortgage lender to carry flood insurance. But even if you aren't required to carry flood insurance, it's still a very good idea to carry it because flooding can and does occur even in low-risk to moderate-risk areas.

Protecting your loved ones

What would happen to your loved ones if, suddenly you were gone? Would your assets be cleared of debts? Would your children have money for college tuition? Would your spouse have the ability to fulfill the plans you made for each other? Right now, Life insurance premiums are more affordable due to the fact that people are living longer. Term life insurance is an affordable way to protect your family for a specified amount of time, 10, 20 or 30 years of coverage and guaranteed benefit. We can help you determine which coverage is best for you and your family.

The Foundation for a Family's Financial Protection

Life Insurance can be the foundation for a family's financial protection. We offer an assortment of whole life insurance policies that can help you and your family be better prepared for the unexpected, and can build cash value you can use during your lifetime

Opening the road

You'll enjoy being out on the open road even more when you're not worried about the safety of yourself, your passengers or your investment. At the Comstock agency let us help design a motorcycle policy that meets your personal and financial needs.

Let Comstock truly open the road for you and get you the best possible insurance for you and your bike.

Peace of mind, so you can enjoy every nautical mile

When the days are clear and the weather is warm, we know the first thing on your mind is going out on the water. At the Comstock agency we will make sure you are fully covered to give you peace of mind so you can enjoy every nautical mile. Whether you're a lifelong water lover or just getting started, it's always a good idea to take a closer look at your new or existing marine policy. Let Comstock Insurance provide you with the assurance you need.

We listen to truly understand your needs

Recreational vehicles such as motorhomes and travel trailers have special insurance needs. It is a nice convenience to motorhome travel or trailer travel because you get to take along the comforts of home. But automotive insurance doesn't cover RVs like your homeowners policy covers the contents of your home. And your homeowners policy coverage on personal property is limited when the property is kept somewhere other than the "residence premises." Often the limit in a standard policy is very low and the usual policy deduction would apply.

Vehicles designed to be used off-road also need special insurance coverage, too. Motorcycle insurers may see claims from off-road travel on an ATV as "excessive abuse" and won't cover anything. At Comstock Insurance, we listen to you to truly understand your needs and work to give you the type of policy that will truly cover you in tne event of a mishap.