Gavop's guide to buying homeowners insurance in Fairfield County, 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.
| Fairfield County, CT - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 2 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Shadow Ridge Cir, Depalma Ln, Lacey Ln, Andrews St, Yarmouth Rd, Gudzik Ct, Ardmore St, Post Gate Rd, Pump la, Norman St | $412,000 | $390,000 | $400,000-$500,000 | $386,000 | $320,000 | $350,000-$400,000 |
| Stamford Ave, Forest Ln, Algonkin Rd, Trolley Bridge Rd, Huckleberry Rd, Burbank Dr, Bayberry Ridge Rd, Starr St, Walnut Ave, Farview Dr | $441,000 | $380,000 | $350,000-$400,000 | $339,000 | $280,000 | $350,000-$400,000 |
| Bassick Ave, Minnesota Ave, Woonsocket Ave, High Noon Rd, Greenlawn Dr, Wendover Rd, Jenny Rdg, Hillview Dr W, Westwood Rd, Blamey Cir | $362,500 | $310,000 | $300,000-$350,000 | $245,500 | $210,000 | $250,000-$300,000 |
| Sidney St, Farm Field Ridge Rd, 3rd Ave, Riordan St, Hillhouse Ave, Hendricks Ave, Tall Pines Dr, Jamroga Ln, Peerless Pl, Old Mill Rd N | $495,000 | $410,000 | $500,000-$600,000 | $206,500 | $190,000 | $200,000-$250,000 |
| Ta Agan Point Dr, Bedford St, Rooster River Blvd, Ludlow Rd, Millard St, Meadow Lake Dr, Jay Ln, Amsterdam Ave, Urban St, Titicus Ct | $259,000 | $240,000 | $250,000-$300,000 | $221,000 | $180,000 | $200,000-$250,000 |
| Seventy Acres Rd, Henry Ave Exd, Denicola Pl, Frances Ave, Arthur St, Apple Tree Rd, Gorham Pl, Walnut Pl, Quail St, Chelsea Pl | $380,000 | $310,000 | $300,000-$350,000 | $332,000 | $280,000 | $350,000-$400,000 |
| Hoyt Farm Rd, Old Hickory Ln, Studio Ln, Granite Ridge Rd, Langstroth Dr, Ginkgo Ln, Dabney Rd, Martin Ter, Brianna Ln, Nottingham Dr | $778,000 | $730,000 | $600,000-$700,000 | $565,000 | $470,000 | $600,000-$700,000 |
| Regal Dr, Cloudy Ln, Broc Ter, Quintard Ave, Cowles St, Hillcrest Ave, Old Bridge Rd W, Eustis Ln, Twixt Hills Rd, Hines Ln | $377,000 | $340,000 | $300,000-$350,000 | $359,000 | $330,000 | $350,000-$400,000 |
| Frisbie St, College Park Dr, Wilmot Ave, Fanny St, S Renwick Dr, Beaver Brook Rd, Station Rd, Nutmeg Rd, Meadow Brook Dr, Anita Ave | $504,000 | $460,000 | $400,000-$500,000 | $376,000 | $350,000 | $350,000-$400,000 |
| Berkeley Rd, Surrey Trl, Lorena St, Quarry Rd, Argentine Way, Meadow View Dr, Red Fox Rd, Hawley Ter, W Morgan Ave, Ridgefield Ave | $329,000 | $280,000 | $250,000-$300,000 | $153,000 | $130,000 | $125,000-$150,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$221 | $1,158 |
| Superior Protection Discount | -$138 | $1,241 |
| Fire & Security Discount | -$138 | $1,241 |
| Hail Resistant Roof Discount | -$28 | $1,351 |
| Newly Constructed Home Discount | -$276 | $1,103 |
| Low Deductible ($500) | High Deductible ($2500) | |||||
|---|---|---|---|---|---|---|
| Place | Example Claim Amount | Yearly Premium | Total Yearly Cost | Yearly Premium | Total Yearly Cost | Net Savings for High Deductible Plan |
| Fairfield County | $1,000 | $1,362 | $2,362 | $990 | $1,990 | $372 |
| Fairfield County, CT | $1,500 | $1,362 | $2,862 | $990 | $2,490 | $372 |
| Valhalla, NY | $500 | $2,533 | $3,033 | $1,841 | $2,341 | $692 |
| Muttontown, NY | $1,500 | $1,009 | $2,509 | $733 | $2,233 | $276 |
| West Islip, NY | $500 | $1,474 | $1,974 | $1,071 | $1,571 | $403 |
| Saddle Rock, NY | $2,000 | $1,152 | $3,152 | $837 | $2,837 | $315 |
| Suffern, NY | $400 | $886 | $1,286 | $644 | $1,044 | $242 |
| Millbrook, NY | $1,500 | $1,512 | $3,012 | $1,099 | $2,599 | $413 |
| Harbor Isle, NY | $400 | $2,180 | $2,580 | $1,584 | $1,984 | $596 |
| Lawrence, NY | $1,500 | $841 | $2,341 | $611 | $2,111 | $230 |
| Deep River, CT | $200 | $1,250 | $1,450 | $908 | $1,108 | $342 |
| West Hartford, CT | $2,000 | $1,248 | $3,248 | $907 | $2,907 | $341 |
| Home Insurance Company Fairfield County, CT | Homeowners Insurance Agency Fairfield County, CT | Address | Popularity Score | Distance from Fairfield County (miles) |
|---|---|---|---|---|
| Travelers | Adam Miller Agency Llc | 227 Monroe Turnpike 2nd Fl, Monroe, CT, 6468 | 8.9 | |
| Nationwide | The Sig Insurance Agencies | 25 Crescent St Floor 1, Stamford, CT, 6906 | 13.4 | |
| Liberty Mutual Independent | Park City Insurance Group Llc | 3354 Main St, Bridgeport, CT, 6606 | 8.4 | |
| Liberty Mutual Independent | Cpm Insurance Services Llc | 90 Hinman Street, Cheshire, CT, 6410 | 30.9 | |
| Liberty Mutual Independent | Nicholson Associates Inc | 395 New Haven Ave, Milford, CT, 6460 | 17.0 | |
| State Farm | Charles Rio | 370 Ethan Allen Hwy, Ridgefield, CT, 06877-4723 | 6.0 | |
| Liberty Mutual Independent | Park City Insurance Group Llc | 3354 Main St, Bridgeport, CT, 6606 | 8.4 | |
| Travelers | Broad Range Benefits Group Llc | 2929 Fairfield Ave, Bridgeport, CT, 6605 | 8.7 | |
| Allstate | Karen Fowler | 1495 Black Rock Tpke, Fairfield, CT, 6825 | 7.3 | |
| Travelers | The Fitzpatrick Agency Inc | 840 Clinton Ave, Bridgeport, CT, 6604 | 8.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Connecticut | $270,100 | $1,253 | $840 | $1,730 | $890 |
| Fairfield County, CT | $417,800 | $1,379 | $980 | $1,920 | $940 |
| Fairfield County, CT | $417,800 | $1,379 | $1,010 | $1,960 | $950 |
| Valhalla, NY | $565,300 | $2,564 | $1,720 | $3,560 | $1,840 |
| Muttontown, NY | $1,632,500 | $1,021 | $750 | $1,410 | $660 |
| West Islip, NY | $407,300 | $1,492 | $1,070 | $2,100 | $1,030 |
| Saddle Rock, NY | $1,375,000 | $1,166 | $840 | $1,610 | $770 |
| Suffern, NY | $311,000 | $897 | $600 | $1,280 | $680 |
| Millbrook, NY | $356,400 | $1,530 | $1,030 | $2,160 | $1,130 |
| Harbor Isle, NY | $455,100 | $2,206 | $1,500 | $3,020 | $1,520 |
| Lawrence, NY | $889,100 | $852 | $610 | $1,210 | $600 |
| Deep River, CT | $274,800 | $1,265 | $850 | $1,750 | $900 |
| West Hartford, CT | $326,000 | $1,263 | $910 | $1,740 | $830 |