Home Insurance

Your home is more than just a building—it's where memories are made. Protect your family's sanctuary with comprehensive homeowners insurance tailored to your unique needs.

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What's Covered

  • Dwelling Coverage
  • Personal Property Protection
  • Liability Protection
  • Additional Living Expenses
  • Medical Payments Coverage
  • Water Backup Coverage

Why Choose J.S. OTT for Home Insurance

Comprehensive Protection

Comprehensive Protection

Coverage for your home's structure, personal belongings, and liability all in one policy.

Replacement Cost Coverage

Replacement Cost Coverage

We help you rebuild or repair your home to its original condition without depreciation deductions.

Extended Coverage Options

Extended Coverage Options

Add flood, earthquake, or umbrella coverage to protect against additional risks.

Protecting Connecticut Homes for 3 Generations

As a family-owned agency rooted in Cromwell, CT, we understand the unique challenges New England homeowners face—from harsh winters to coastal weather. We work with top-rated carriers to find you the best coverage at competitive rates.