Gavop's guide to buying homeowners insurance in Simsbury, CT covers how to get the right coverage, optimize deductibles, identify the best agents, understand claim requirements, avail discount options, compare cheap quotes and research reviews.
| Simsbury, CT - Neighbourhoods, Census Blocks & Streets | 4 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Harvest Hill Rd, White Pine Ter, St Johns Pl, State Hwy 309, Springbrook Ln, Branch Brook Dr, Nod Brook Dr, Hoskins Rd, Bradley Rd, Northfield Rd | $371,500 | $340,000 | $300,000-$350,000 | $269,500 | $240,000 | $250,000-$300,000 |
| North Dr, Great Pond Rd, Talisman Dr, Deer Park Rd, Watson Dr, Westridge Rd, Virginia Ln, Banks Rd, Shingle Mill Rd, Stratton Brook Rd | $299,000 | $260,000 | $250,000-$300,000 | $248,000 | $220,000 | $200,000-$250,000 |
| Chriswell Dr, Vining Dr, Princess Ln, Tallwood Ln, Powder Horn Dr, King Philip Rd, Stafford Rd, Tim Clark Cir, Great Pond Rd, Cornfield Rd | $343,500 | $300,000 | $300,000-$350,000 | $217,000 | $200,000 | $175,000-$200,000 |
| Evergreen Dr, Whitcomb Dr, Old Mill Ct, Green Valley Dr, Harriet Ln, Long View Dr, Meadow Xing, Rockspray Ln, Anja Dr, Cobtail Way | $570,000 | $490,000 | $400,000-$500,000 | $260,500 | $240,000 | $250,000-$300,000 |
| Hedgehog Ln, Grimes Brook Pl, Beaverbrook Rd, Westminster Cartway, Old Mill Ln, Hampden Cir, Saxton Brook Dr, Bantry Rd, Climax Rd, E Tomstead Rd | $362,500 | $300,000 | $400,000-$500,000 | $262,500 | $230,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$170 | $831 |
| Superior Protection Discount | -$90 | $911 |
| Fire & Security Discount | -$80 | $921 |
| Hail Resistant Roof Discount | -$30 | $971 |
| Newly Constructed Home Discount | -$210 | $791 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,914 |
| Physical Damage | $2,464 |
| Hail Damage | $4,806 |
| Wind Damage | $6,496 |
| Expensive Claims | |
| Fire | $46,463 |
| Smoke | $16,887 |
| Home Insurance Company Simsbury, CT | Homeowners Insurance Agency Simsbury, CT | Address | Popularity Score | Distance from Simsbury (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Bouvier Insurance | 29 North Main Street , West Hartford, CT, 6107 | 9.0 | |
| Liberty Mutual Independent | Bouvier Insurance | 29 N Main St, West Hartford, CT, 6107 | 9.0 | |
| Travelers | J Phillips-Hall Insurance Llc | 203 Holabird Ave, Winsted, CT, 6098 | 12.3 | |
| Liberty Mutual Independent | Granby Insurance Agency Inc | 29 Hartford Ave, Granby, CT, 6035 | 5.6 | |
| Travelers | Rabbett Insurance Agency | 233 Addison Rd, Windsor, CT, 6095 | 7.9 | |
| State Farm | Sharon Kim | 2475 Albany Ave Ste 204, West Hartford, CT, 06117-2523 | 7.6 | |
| Allstate | Gridley Insurance Llc | 187 Broad St, Windsor, CT, 6095 | 9.7 | |
| Travelers | Wellstone Insurance | 800 Cottage Grove Rd, Bloomfield, CT, 6002 | 6.3 | |
| Travelers | Wellstone Insurance | 800 Cottage Grove Road Building One, Bloomfield, CT, 6002 | 6.3 | |
| Allstate | Randy Zebendon | 786 Silas Deane Hwy, Wethersfield, CT, 6109 | 14.8 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Connecticut | $270,100 | $1,253 | $890 | $1,770 | $880 |
| Hartford County, CT | $235,300 | $1,076 | $770 | $1,540 | $770 |
| Simsbury, CT | $327,800 | $1,001 | $670 | $1,380 | $710 |
| Tariffville, CT | $205,900 | $1,070 | $740 | $1,510 | $770 |
| Southwick, MA | $290,200 | $844 | $570 | $1,170 | $600 |
| Cromwell, CT | $245,000 | $843 | $560 | $1,170 | $610 |
| Kent, CT | $363,700 | $1,513 | $1,100 | $2,100 | $1,000 |
| North Amherst, MA | $376,800 | $970 | $660 | $1,380 | $720 |
| Sherman, CT | $455,800 | $1,868 | $1,330 | $2,650 | $1,320 |
| Sturbridge, MA | $284,000 | $830 | $560 | $1,140 | $580 |
| Taghkanic, NY | $297,000 | $1,185 | $840 | $1,640 | $800 |
| Charlton, MA | $280,400 | $823 | $600 | $1,140 | $540 |
| New Salem, MA | $239,700 | $1,046 | $710 | $1,500 | $790 |