Auto, Home, Life & Health Insurance

Serving Berlin CT & Middletown CT

In addition to our selection of business insurance options, H. S. Comstock Insurance Agency is proud to offer personal insurance options in Berlin, CT and beyond. Personal insurance lines help protect your most valuable possessions including your home, cars, apartment, and other possessions. Personal insurance also helps protect you in the event of a natural disaster, burglary, lawsuits, illness, and accidents. Our team members are skilled and knowledgeable, and have years of experience to ensure you receive the right coverage to properly insure all of your assets and areas of your life.

We offer the following Personal Insurance Options:
Click on an option below to find out more information.


Your home is one of your most valuable assets, which is why it is so important to have the right insurance coverage to protect you from financial loss. Here at the Comstock Agency, we will not only help you find the lowest rates available, we put our experience to work to make sure you receive the appropriate coverage.

In addition to standard homeowner's insurance plans, we can also provide riders for:

  • Valuables and jewelry in excess of what most insurance covers
  • Extra liability
  • A home office

You can receive discounts for...

  • Having a new home
  • Being claim-free in the past
  • Insuring your vehicles through the same company
  • Having working smoke detectors
  • Having an alarm system

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With Comstock Insurance Agency, we will not just insure you car, we can help ensure your independence. With our flexible, affordable coverage options, we have the auto insurance plans to fit every client's needs. When you insure your vehicle with Comstock Insurance, we will help you find the policy you need and deserve.

Auto insurance can also cover:

  • Pet Injuries
  • Vandalism
  • Extra Medical Expenses
  • Theft
  • Damages Done to a Rental Vehicle
  • Windshield Repair
  • Accidents with Wildlife
  • Lost Wages

In addition, you may qualify for a range of credits and cost-saving discounts. You may receive discounts for...

  • Being a safe driver
  • Being a good student
  • Driving a safe car
  • Having a car alarm and or lowjack
  • Having a homeowners policy with your auto Insurance carrier
  • Multi-car credit

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With an umbrella policy, you receive an additional layer of security. This type of policy adds a new level of protection from serious liability issues that extend beyond the liability limits of standard insurance policies, such as car insurance, homeowners insurance and so on. We will help you find the appropriate umbrella policy, give you an understanding of the protection your umbrella policy will provide.

Some of these include:

  • False Arrest
  • Libel
  • Slander
  • Invasion of Privacy

An umbrella insurance policy through Comstock is not just insurance, but assurance that you're protected.

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With health insurance rates on policies rising at a rate much higher than inflation, finding the right individual and health insurance plan can be challenging. Luckily, when you choose Comstock for health insurance, we are able to shop around and find you the best possible deal, as we are not bound to any one company. We will help you find affordable ways to manage you and your family's healthcare needs.

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Condo and townhouse owners have different insurance needs than typical homeowners. Living in and owning a condo means you own your individual condo, by also share ownership in the common areas and overall structure of your building. You association may help pay for the upkeep of common areas, but they do not typically provide coverage for your personal property within your unit, or liabilities if someone is injured in your home or on your property. With the Comstock Agency, you can count on us taking the time to help you understand what coverage is best for you as a condo owner.

We have the skills and know-how to read your association's by-laws and find the appropriate coverage and policy to fit your situation. We can even help you find protection against loss-assessment damage, which will cover you in the event your condo association has a high-deductible on their insurance.

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While you may not own your house or apartment, you still deserve appropriate protection for you and your belongings. Whether you rent a full house or a tiny apartment, renters insurance is important. A mistake many renters make is relying on their landlord's insurance policy to protect them in the event of an accident or loss. When you call Comstock Insurance Agency, we will discuss with you the different renters insurance options and what is appropriate for your situation.

We will also help you estimate the value of your belongings, and work with you to ensure, if something goes wrong, you are covered for the replacement value of all of your valuables. You coverage will also include liability protection, which keeps you covered if someone else is injured in your home.

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Your homeowner's policy does not cover floods, which can be problematic since over the last several years flooding has occurred in areas not considered to be in a flood zone. Flood insurance protects you against losses resulting from lengthy and heavy rainfalls, blocked storm drains, storm surges, snow melts, and so on. The team here at Comstock Insurance, we will help you decide if a flood insurance plan is right for you.

If you live in a high risk area that faces a 1% (or more) annual chance of flooding, your mortgage lender may require you to carry flood insurance. Even if you are not required to have this type of coverage, it's still a good idea to carry it, since flooding can and does occur in low- to moderate-risk areas.

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Term Life

If you were suddenly gone, what would happen to your loved ones? Would your assets be cleared of debts? Would your children have money to for higher education expenses? Could your spouse fulfill the plans you made for each other? Life insurance premiums are more affordable today since people are living longer. Term life insurance is an affordable way to provide protection to your loved ones for a specified amount of time, such as 10, 20, or 30 years of coverage and guaranteed benefit. Our team will help you find the right coverage for you and your family.

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Whole Life

This type of insurance can be a foundation for a family's financial protection. Our agency offers a range of whole life policies that can help you and your family be better prepared for the unexpected, and build a cash value that you can use during your lifetime.

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If you enjoy being out on the open road, but don't want to worry about your safety, having a good motorcycle insurance policy is important. This protects you, your passengers, and your investment. Together, we will help you create a motorcycle insurance policy the fits your personal and financial needs.

We want to help you get the best possible insurance for your and your bike, so you can truly enjoy the open road.

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Here at the Comstock Agency, we want to make sure you have a peace of mind while out on the water. You should be able to enjoy your boat without the worry of having a below par insurance policy. Together, we will take a closer look at your existing marine insurance policy, or help you design a new one. We will give you the assurance you need so you can enjoy your time out on the water.

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Recreational Vehicle

Motor homes and travel trailers have special insurance needs, apart from your standard auto or homeowner's insurance policies. At Comstock Insurance, we will work with you to gain a full understanding of your needs and work to find the type of policy you need to cover you in the event of a mishap or accident.

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Travel Insurance

It’s important to obtain travel insurance when going on a trip of any length, international or domestic. Travel insurance protects against flight cancellations, lost luggage, medical emergencies and more. If you’re a frequent traveler or are planning a family vacation, meet with one of our agents today to learn more about the benefits of travel insurance. We will help you find the right coverage for your trip and budget so you don’t have to worry about a thing when you leave home.

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Providing Not Just Insurance...Assurance

Since 1956, H.S. Comstock Insurance Agency has provides a range of insurance solutions for clients across Hartford and Middlesex Counties in Connecticut. We are the team to trust with all of your insurance needs. We work closely with every client to create personalized insurance plans that are affordable and give you the coverage you need. We work with a range of insurance companies to ensure you receive competitive rates and a wide selection of policies.

For more information, please give us a call (860) 635-5014 or fill out a contact form.