Howard & Gay Insurance

10/13/2025

Howard & Gay Insurance had a very busy week!
Highlights include supporting the Jimmy McGrath Foundation Golf event at the Country Club of Fairfield with our partners at Chubb Insurance and host Mike Fox.
We were also proud to sponsor the Staples HS Boys Lacrosse Golf event at the Longshore Golf Course followed by the Greenwich Chamber of Commerce Annual Golf event at the Griffith E. Harris Golf Course.
It was wonderful to be in the Brown Harris Stevens New Canaan office visiting with their realtors and we enjoyed the New Canaan Board of Realtors Oktoberfest at Waveny House.
We wrapped up the week with Howard & Gay partner, Willis Gay alongside Allison Zito from Chubb and Peter Carlson hosting a panel discussion with the Greenwich Association of Realtors about all things insurance related to the real estate transaction.

08/25/2025

Your home is more than just a place to live. It’s the most valuable asset and the center of your every day life. Homeowner insurance is designed to protect your investment, your belongings, and your financial stability. Do you have the proper homeowners insurance? Check out these tips to make sure - visit our website for more information.
https://www.howardgay.com/home-sweet-home-insuring-your-property-and-belongings/

07/21/2025

We are excited to announce the opening of our newest office at 199 Elm Street in New Canaan, Connecticut, furthering our commitment to providing personalized insurance solutions to communities where our clients live!

05/13/2025

Outdoor grilling remains one of the most popular ways to prepare food but it can also be dangerous if you are not careful! Keep your family and home safe during the cooking fun. Don’t place your grill close to anything that can burn like your house, deck railing or under eaves or hanging branches.
In the rare instance of a grill fire spreading to your property, your homeowners insurance provides financial protection as fire is covered by peril. Not sure you have the right coverage? Call us for more info or reach out via the link in the bio.

05/06/2025

With all this rain, your lawn may look like something in Ireland and the car is free of the yellow pollen dust. Just remember, all this rain water has to go somewhere! You may live in an area that is not considered a high-risk / flood zone but that doesn’t mean you won’t be subject to flooding. For that reason, we recommend flood insurance to all our clients.

04/22/2025

2025 marks the 6th anniversary of the summer concert series "Music on the Great Lawn" at the Greenwich Historical Society and we are proud to sponsor this year!
We believe it is important to support the valuable community organizations in the towns where we work at live. Gather friends, pack your picnic and enjoy an evening at the Historical Society. Concerts start May 22nd.
Greenwich Historical Society

04/15/2025

April is National Rebuilding Month so you may be thinking about adding space, upgrading features or increasing functionality to your home. Your renovation could impact your homeowner’s insurance.
You’ll need to reassess dwelling coverage, update personal property coverage and review liability coverage. We can help so give us a call.

04/04/2025

Did you know there are two ways to get personal insurance?
An independent broker vs. A direct market agent
As an independent insurance broker, Howard & Gay can shop around for the best coverage for your specific needs. We can offer a broad range of options including providing choices from the best underwriters (i.e. Chubb, PURE, Berkley One, Cincinnati, AIG, etc.), personalized service and potentially lower premiums.
When shopping for insurance with a captive or direct market agent, they are only able to sell policies through one insurance company.
An independent insurance broker, we have a broader and more comprehensive knowledge about insurance trends, types of coverage and best practices.
Let us tailor your personal insurance to meet your unique situation and needs.

04/02/2025

Howard & Gay is officially stepping into social media with both feet. We've been away for a while on Facebook but we are back! (And we are starting on Instagram too!)
Follow us for personal insurance tips, helpful advice, and all things insurance. Whether you're looking for coverage, insights, or just want to learn more, we've got you covered!

01/10/2024

As severe weather & increasing claim costs impact the industry, E&S has emerged as a valuable personal insurance market option. share how this could be an option for complex insurance situations. Read more here:

There is a chance you’ve recently heard of Excess and Surplus (E&S) lines insurance—an increasingly used option for homeowners across […]

12/21/2023

Happy Holidays from our team at Howard & Gay Insurance. Last week, Santa and his #1 elf came to visit our office and spread some Christmas cheer ahead of our holiday party!