Gavop's guide to buying homeowners insurance in Old Saybrook, 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.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $87,000 | $70,000 | $75,000-$100,000 |
| 2 Bedroom | $281,000 | $240,000 | $300,000-$350,000 |
| 3 Bedroom | $362,000 | $310,000 | $300,000-$350,000 |
| 4 Bedroom | $343,000 | $310,000 | $300,000-$350,000 |
| 5 Bedroom | $352,500 | $310,000 | $350,000-$400,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$87 | $879 |
| Home and Two Car | -$155 | $811 |
| Home and Three Car | -$241 | $724 |
| 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 |
| Middlesex County | $2,500 | $1,184 | $3,684 | $861 | $3,361 | $324 |
| Old Saybrook, CT | $1,500 | $954 | $2,454 | $693 | $2,193 | $261 |
| Noank, CT | $500 | $1,756 | $2,256 | $1,276 | $1,776 | $480 |
| Ledyard, CT | $1,000 | $816 | $1,816 | $593 | $1,593 | $223 |
| Andover, CT | $200 | $1,256 | $1,456 | $913 | $1,113 | $343 |
| Ashaway, RI | $700 | $1,260 | $1,960 | $915 | $1,615 | $344 |
| Plainville, CT | $100 | $887 | $987 | $645 | $745 | $242 |
| Westhampton Beach, NY | $1,500 | $2,882 | $4,382 | $2,094 | $3,594 | $788 |
| Vernon, CT | $100 | $892 | $992 | $648 | $748 | $244 |
| Tolland, CT | $700 | $911 | $1,611 | $662 | $1,362 | $249 |
| Ashford, CT | $400 | $1,157 | $1,557 | $841 | $1,241 | $316 |
| Mastic Beach, NY | $1,500 | $687 | $2,187 | $499 | $1,999 | $188 |
| Home Insurance Company Old Saybrook, CT | Homeowners Insurance Agency Old Saybrook, CT | Address | Popularity Score | Distance from Old Saybrook (miles) |
|---|---|---|---|---|
| Travelers | Northeast Financial Group Llc | P O Box 567 , East Lyme, CT, 6333 | 9.5 | |
| Travelers | Insurance Associates | 74 Vine St 2nd Fl, New Britain, CT, 6052 | 33.3 | |
| Liberty Mutual Independent | Greenberg Rhein & Margolis Inc | 1768 Litchfield Turnpike, Woodbridge, CT, 6525 | 31.3 | |
| Travelers | Birarelli Insurance Agency Llc | 55 Cherry Street, Milford, CT, 6460 | 35.3 | |
| Allstate | David Colella | 34 York St, Guilford, CT, 6437 | 16.0 | |
| Liberty Mutual Independent | The Stone Agency-Guilford | 35 Boston St, Guilford, CT, 6437 | 15.5 | |
| State Farm | Coe Bancroft | 41a Welles St, Glastonbury, CT, 06033-2047 | 31.3 | |
| Travelers | Bailey Agencies Inc | 15 Thames St Ste 100, Groton, CT, 6340 | 16.3 | |
| Nationwide | Michael Silberberg Agency | 145 Durham Rd Ste 5, Madison, CT, 6443 | 11.4 | |
| Travelers | National Insurance Agency Inc | 16 Spring Ln Ste 1, Farmington, CT, 6032 | 38.1 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Connecticut | $270,100 | $1,253 | $900 | $1,740 | $840 |
| Middlesex County, CT | $283,700 | $1,199 | $830 | $1,670 | $840 |
| Old Saybrook, CT | $373,200 | $966 | $700 | $1,380 | $680 |
| Noank, CT | $436,000 | $1,777 | $1,260 | $2,520 | $1,260 |
| Ledyard, CT | $236,500 | $825 | $590 | $1,170 | $580 |
| Andover, CT | $277,100 | $1,271 | $920 | $1,790 | $870 |
| Ashaway, RI | $229,500 | $1,275 | $880 | $1,820 | $940 |
| Plainville, CT | $205,400 | $898 | $620 | $1,280 | $660 |
| Westhampton Beach, NY | $660,400 | $2,917 | $2,100 | $4,140 | $2,040 |
| Vernon, CT | $207,600 | $903 | $650 | $1,250 | $600 |
| Tolland, CT | $286,600 | $922 | $660 | $1,310 | $650 |
| Ashford, CT | $240,000 | $1,171 | $850 | $1,630 | $780 |
| Mastic Beach, NY | $193,300 | $696 | $470 | $980 | $510 |