Home Insurance

Your home is likely your biggest investment, and the wrong coverage can leave you exposed when it matters most. As an experienced home insurance broker, Connell & Associates doesn’t hand you a generic policy and move on. We take the time to understand your property, your situation, and what you actually need, then shop across our network of top carriers to build home insurance coverage that truly fits.

Whether you own a house, townhome, or condo, we’ll make sure you’re protected, including dedicated flood and earthquake insurance options that standard policies often miss or exclude entirely. Renting? We offer Renters Insurance to cover your belongings and give you Personal Liability protection too.

And when you have to file a claim, we’re still there. That’s the difference a home insurance broker makes.

Find the Right Coverage Without the Runaround

Shopping for home insurance on your own means filling out the same form a dozen times and still not knowing if you’re getting a fair deal. We’ve simplified that. Enter your information once and we’ll pull quotes from up to 10 carriers, so you can compare real options side by side, fast.

One form. Multiple carriers. A home insurance broker that’s been doing this since 1978.

Al recently helped me to understand a home insurance policy from State Farm where they told me I needed two policies. Turns out I only needed one policy (which covered both units on the same lot) and saved me $565 per year. It’s more than the money for me, someone who takes the time to educate me on what I need and don’t need, means a lot to me. There is way too much “mumbo jumbo” in insurance today and it really helps to have someone who can make sense of it all, and cares enough to really help you out. Great customer service! – Janet M., San Mateo, CA

Frequently Asked Questions

Most standard policies cover the obvious: fire, theft, wind damage. But they routinely exclude flood and earthquake damage, which are among the most financially devastating events a homeowner can face. A basic policy can leave you with a six-figure repair bill and no recourse. As your home insurance broker, we review what your current or prospective policy actually covers, identify the gaps, and fill them before you need to find out the hard way.

When you go directly to a carrier, you get that carrier’s options and nothing else. As a home insurance broker, we shop across multiple top carriers on your behalf, which means more options, more competitive rates, and a policy built around your actual needs rather than a company’s product lineup. You get the same coverage, often for less, with someone in your corner throughout.

This is where a lot of policyholders feel abandoned. When you work with Connell & Associates, filing a claim doesn’t mean navigating a phone tree by yourself. We stay involved through the entire process, advocating on your behalf and making sure you get what your policy entitles you to. That hands-on support is something a direct carrier relationship rarely offers.

It is, but the traditional way of doing it isn’t. Filling out separate forms across 10 different carriers eats hours and still doesn’t guarantee you’re comparing apples to apples. Our single-form quote tool pulls up to 10 carrier quotes at once, so you can see your real options in one place without the repetition. Most clients are surprised by how much rates vary for the same coverage.