Ken O'Hara Agency provides insurance throughout Litchfield County — from the working city of Torrington to the scenic Hills towns of Kent, Washington, Salisbury, and Cornwall. Whether you own a primary home, a weekend retreat, or a working farm, we'll find coverage built for it. Call (877) 275-0214.
Second home or farm? Standard homeowners policies often don't respond correctly to either.
📅 Book Time with the Agency →Vacation and seasonal properties need coverage structured for limited occupancy — carriers rate unattended periods and freeze risk very differently. Farm operations need agricultural coverage that homeowners policies exclude outright. And the high-value second homes in the Hills often need limits and scheduled property well beyond a standard policy.
Rural location and hydrant distance affect rates — call for an accurate quote.
Weekend retreats in the Hills, written for limited occupancy rather than full-time living.
Outbuildings, equipment, livestock, and farm liability — all excluded by standard home policies.
Kent, Washington, Salisbury and Sharon properties needing above-standard limits.
Rural roads and long commutes — real protection beyond CT's 25/50/25 minimum.
Term, whole, and universal — including the Farmers New World Life lineup for CT.
The Farmers Friendly Review — free annual coverage check-up, any carrier welcome.
Same-day quotes for every Litchfield County community, 20+ carriers compared.