Updated October 2026 · The Warner Agency, Cos Cob
A coastal address needs its own water conversation
For a home near Long Island Sound, start by separating wind damage, surface flooding and water backing up into a basement. These are different insurance questions. A homeowners policy generally does not cover flooding, and a water backup option is not a substitute for flood insurance. Bring the exact address, elevation information if available, and any lender flood requirements. The location alone does not tell us what a policy will cover.
Backcountry homes and custom rebuilding
For a larger property, describe the home and everything that belongs to it: detached garages, guest structures, pools, generators and custom finishes. A selling price or assessment is not a rebuilding estimate. Renovations can change both reconstruction needs and liability exposures. Photos, square footage and the year of major updates help make the conversation about the actual property instead of a generic value.
A household review before a new driver
A permit, first license, vehicle purchase or move to college is a useful trigger for an auto review. Tell us where each vehicle is principally kept and how each driver uses it. Ask how a student living away is handled before removing that person from a policy. Then review liability and any umbrella requirements together, particularly when several vehicles and drivers share the household.
Life insurance alongside the mortgage
A mortgage balance is only one part of a family’s protection needs. Ongoing income, childcare, education goals, household work and other obligations matter too. Bring the benefit amount and portability terms of any workplace policy. An individually owned policy may help fill a gap that changes with employment. Inflation also means a fixed benefit should be reviewed as expenses and family responsibilities grow.
Questions people ask
Do you have an office in Greenwich?
Yes. Our Cos Cob office is at 261 E Putnam Avenue, Cos Cob, CT 06807. Call or text 203 869 8220 before visiting if you want to meet with a particular team member.
Do you have separate offices in Old Greenwich or Riverside?
Our office is in Cos Cob. We serve these Greenwich communities from that location, with phone, text and email service available.
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These are topics for a property and household review, not a determination of risk, pricing or coverage for a particular address.