Homeowners Insurance

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NLC offers coverage for persons who own a house in the states of Connecticut, Rhode Island, and Massachusetts. All of NLC’s Homeowner policies include the following coverages:

Coverage for the house owned by the policyholder.

Other structures on the insured location are also covered up to 10% of the amount of coverage on the house. These structures can include a detached garage, play house, storage shed, or swimming pool. Additional coverage limits can be purchased as needed.

Personal Property owned by the policyholder is covered up to 50% of the amount of coverage on the house. The property that is covered includes personal belongings, household furniture, and equipment used to service the insured residence.

In the event a covered loss renders the house uninhabitable then Loss of Use coverage provides up to 20% of the amount of coverage on the house for the policyholder’s extra expenses. These expenses can include the cost to stay in a hotel and meal expenses while the house is uninhabitable.

Personal Liability coverage pays for injury for which an insured may be legally liable.

NLC’s Homeowner's coverage can include additional coverages that each individual policyholder may need:

Replacement Cost Contents covers personal property at replacement value without a deduction for depreciation.

Guaranteed Replacement Cost will pay for the cost to rebuild a destroyed building even if the cost exceeds the amount of coverage up to an additional 50%.

NLC’s Protection Plus coverages provide additional coverages with a price that is lower than if the coverages are purchased individually.

NLC can provide coverage for certain businesses that are operated out of the house.

Identity Theft coverage provides highly experienced fraud specialists to assist in resolving your claim.

Find an NLC agent to learn more about our Homeowner programs.


"My son was involved in a significant accident, and every person we had contact with at NLC made the whole experience simple. Each Employee was professional, responded in a timely manner and followed through on what they told us. Much appreciated!"

"I was in the process of purchasing my first home, and the NLC agent had been such a great help. She made the entire experience very easy. I am so glad someone recommended you to me. Thank you"

"A tree about 20 feet from our house was struck by lightning this past summer. The adjuster not only took care of us but also gave us tips on what to watch for in the future. What phenomenal advice. We would have never thought the lightning could run through the roots and affect more trees. We were very comforted by these words of wisdom. Thank you"

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