Gavop shows you how to buy homeowners insurance in East Lyme, CT by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| East Lyme, 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 | |
| Park Pl, Roxbury Rd, Plum Hill Rd, Crescent Ave, Mohawk Dr, Valley View Dr, Crystal Spring Dr, Bidwell St, Sea Crest Ave, Herster Dr | $311,000 | $270,000 | $350,000-$400,000 | $243,500 | $210,000 | $200,000-$250,000 |
| Hathaway Rd, Plum Tree Ln, N Pine St, Miranda Way, Amberly Ln, Pepperidge Ln, Slocum Dr, Ancient Hwy, Ridgewood Rd, Lakeview Dr | $359,000 | $320,000 | $300,000-$350,000 | $322,000 | $260,000 | $250,000-$300,000 |
| Cardinal Rd, Bayview Rd, Ramble Ave, Woodland Rd, Lincoln St, Upper Walnut Hill Rd, Beckwith St, Charter Oak Dr, Winston Rd, Pontiac Dr | $331,000 | $290,000 | $300,000-$350,000 | $180,000 | $170,000 | $125,000-$150,000 |
| Louise Dr, Whitecap Rd, Lantern Ln, Decatur Dr, Carpenter Ave, Strawberry Ln, Meadow St, Crab Ln, Bush Hill Dr, Sea Breeze Ave | $404,500 | $370,000 | $400,000-$500,000 | $304,500 | $270,000 | $300,000-$350,000 |
| S Ledge Rock Rd, Wynn Cir, W Society Rd, Naomi Ln, Lee Rd, Drabik Rd, Chadwick Pl, Seebeck Rd, Jo Anne St, Carlisle Ln | $476,000 | $400,000 | $500,000-$600,000 | $352,000 | $290,000 | $250,000-$300,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$133 | $815 |
| Superior Protection Discount | -$85 | $862 |
| Fire & Security Discount | -$85 | $862 |
| Hail Resistant Roof Discount | -$28 | $919 |
| Newly Constructed Home Discount | -$227 | $720 |
| 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 |
| New London County | $1,000 | $1,154 | $2,154 | $839 | $1,839 | $315 |
| East Lyme, CT | $1,500 | $936 | $2,436 | $680 | $2,180 | $256 |
| Sprague, CT | $400 | $1,091 | $1,491 | $793 | $1,193 | $298 |
| Griswold, CT | $1,000 | $853 | $1,853 | $620 | $1,620 | $233 |
| Columbia, CT | $400 | $829 | $1,229 | $602 | $1,002 | $227 |
| South Coventry, CT | $2,500 | $1,270 | $3,770 | $923 | $3,423 | $347 |
| Coventry, CT | $300 | $829 | $1,129 | $602 | $902 | $227 |
| Rocky Hill, CT | $1,000 | $869 | $1,869 | $631 | $1,631 | $237 |
| South Woodstock, CT | $100 | $1,074 | $1,174 | $780 | $880 | $293 |
| East Greenwich, RI | $1,000 | $1,047 | $2,047 | $761 | $1,761 | $286 |
| Sherwood Manor, CT | $300 | $857 | $1,157 | $623 | $923 | $234 |
| Miller Place, NY | $2,500 | $1,067 | $3,567 | $775 | $3,275 | $291 |
| Home Insurance Company East Lyme, CT | Homeowners Insurance Agency East Lyme, CT | Address | Popularity Score | Distance from East Lyme (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Mather & Pitts Insurance Inc | 46 Plains Rd Unit 31, Essex, CT, 6426 | 9.3 | |
| Travelers | Swanson Insurance | 210 Boston Post Rd, Waterford, CT, 6385 | 4.9 | |
| Liberty Mutual Independent | Montagno Insurance Agency | 344 Robbins St, Waterbury, CT, 6708 | 45.4 | |
| Liberty Mutual Independent | Lamburt Corporation | 1980 Main St, Stratford, CT, 6615 | 48.3 | |
| Liberty Mutual Independent | The Reardon Agency Inc. | 26 Clark Lane , Waterford, CT, 6385 | 5.4 | |
| Allstate | Arthur E. Spears Iii | 554 Long Hill Rd, Groton, CT, 6340 | 8.9 | |
| Allstate | David P. White | 170 Flanders Rd Ste A3, Niantic, CT, 6357 | 1.1 | |
| Travelers | Bailey Agencies Inc | 15 Thames Street Suite 100, Groton, CT, 6340 | 7.6 | |
| Travelers | Stark Agency | 91 Main St, Chester, CT, 6412 | 11.7 | |
| Liberty Mutual Independent | Cpm Insurance Services Llc | 90 Hinman St, Cheshire, CT, 6410 | 36.4 |
| 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 |
| New London County, CT | $238,900 | $1,168 | $810 | $1,670 | $860 |
| East Lyme, CT | $300,200 | $948 | $640 | $1,310 | $670 |
| Sprague, CT | $217,100 | $1,104 | $780 | $1,580 | $800 |
| Griswold, CT | $192,900 | $864 | $630 | $1,200 | $570 |
| Columbia, CT | $243,300 | $839 | $610 | $1,160 | $550 |
| South Coventry, CT | $282,400 | $1,285 | $870 | $1,820 | $950 |
| Coventry, CT | $243,500 | $839 | $580 | $1,190 | $610 |
| Rocky Hill, CT | $264,100 | $879 | $590 | $1,220 | $630 |
| South Woodstock, CT | $211,300 | $1,087 | $740 | $1,550 | $810 |
| East Greenwich, RI | $424,600 | $1,059 | $750 | $1,510 | $760 |
| Sherwood Manor, CT | $194,400 | $868 | $620 | $1,210 | $590 |
| Miller Place, NY | $423,800 | $1,080 | $790 | $1,480 | $690 |