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Tips for Home Insurance Shoppers: An Interview with Paul Koneazny of Curtis Insurance Agency

By Paul Koneazny

Tell us a little bit about your company and its foundation.

Curtis Insurance Agency, Inc. is the only independent insurance agency locally owned and operating exclusively from North Canaan, Connecticut with a broad range of Commercial, Personal, Life, and Health insurance products. We've aligned ourselves with some of the finest carriers in the country to deliver these products directly to you from our convenient office in North Canaan in the scenic northwest corner of Litchfield County, Connecticut. Our commitment is to provide you with the best insurance value and local service available, while maintaining the highest ethical standards and credibility with our clients, carriers, and the communities that we all live and work within.

What are some of the services your company provides?

We have been serving all your insurance needs since 1946.

Please briefly explain the idea of home insurance to our readers, what it is, why it was created, etc.

Homeowners insurance is necessary to protect your largest investment, as well as all of your personal property and personal liability.

What facts should I gather about my new house before I start shopping?

Things you need to know before purchasing home insurance: Age of dwelling, age of roof, electrical system, heating system, distance to fire station/hydrant.

How can the location of my home affect my insurance costs?

Factors that will affect rates: Personal credit history, Proximity to fire protection, age of dwelling, pets, pools, trampolines, prior claims.

How do I make sure I am not underinsured? What does it mean to make sure I insure my home to "replacement value"?

You need an agent to do a current replacement cost estimator to make sure that you are not underinsured. We at Curtis Insurance Agency do replacement cost estimators on all properties that we insure.

In your personal opinion, is it worth it to get additional coverage for some of the valuable items in my home?

Depending on the value it may be a good idea to buy additional coverage for some valuable items that have coverage limitations such as jewelry, firearms and furs.

Can I save money on my monthly premium if I add certain safety features to my home?

Installing a monitored fire and burglar alarm can save you money on your insurance premium.

How can I ensure that I am working with a home insurance provider that I trust?

You should be dealing with a local independent insurance agent with strong ties to the community that has demonstrated stability over time such as Curtis Insurance Agency to insure that you are dealing with and agent that you can trust.

What's the best way for people to get in contact with you and your company?

Curtis Insurance Agency can be reached at 860-824-7327 or visited at 49 Main Street in Canaan, CT or online at

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