Gavop's guide to buying homeowners insurance in North Stonington, 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 | $108,000 | $90,000 | $75,000-$100,000 |
| 2 Bedroom | $179,500 | $160,000 | $175,000-$200,000 |
| 3 Bedroom | $385,000 | $350,000 | $400,000-$500,000 |
| 4 Bedroom | $267,500 | $220,000 | $200,000-$250,000 |
| 5 Bedroom | $654,000 | $600,000 | $500,000-$600,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$145 | $761 |
| Superior Protection Discount | -$91 | $815 |
| Fire & Security Discount | -$82 | $824 |
| Hail Resistant Roof Discount | -$27 | $879 |
| Newly Constructed Home Discount | -$263 | $643 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,733 |
| Physical Damage | $2,464 |
| Hail Damage | $4,806 |
| Wind Damage | $6,496 |
| Expensive Claims | |
| Fire | $45,123 |
| Smoke | $17,556 |
| Home Insurance Company North Stonington, CT | Homeowners Insurance Agency North Stonington, CT | Address | Popularity Score | Distance from North Stonington (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | The Reardon Agency Inc. | 26 Clark Ln, Waterford, CT, 6385 | 15.8 | |
| Allstate | Kevin White | 476 Storrs Rd, Mansfield Center, CT, 6250 | 26.1 | |
| Nationwide | Dunn Insurance Inc | 198 S Main Street, Middletown, CT, 6457 | 40.7 | |
| Allstate | Paula Luzzi | 453 Colman St, New London, CT, 6320 | 14.7 | |
| Allstate | Arthur E. Spears Iii | 554 Long Hill Rd, Groton, CT, 6340 | 12.7 | |
| Allstate | David Colella | 34 York St, Guilford, CT, 6437 | 44.3 | |
| State Farm | Coe Bancroft | 41a Welles St, Glastonbury, CT, 06033-2047 | 41.6 | |
| Allstate | David P. White | 170 Flanders Rd Ste A3, Niantic, CT, 6357 | 19.4 | |
| Travelers | Allconnecticut Insurance Brokers Llc | 1107 New Britain Ave, West Hartford, CT, 6110 | 48.0 | |
| Liberty Mutual Independent | Grover Insurance Llc | 3 Gravel St, Mystic, CT, 6355 | 9.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Connecticut | $270,100 | $1,253 | $860 | $1,740 | $880 |
| New London County, CT | $238,900 | $1,168 | $780 | $1,610 | $830 |
| North Stonington, CT | $278,100 | $906 | $620 | $1,260 | $640 |
| Carolina, RI | $290,100 | $1,490 | $1,000 | $2,130 | $1,130 |
| Plainfield, CT | $171,300 | $801 | $550 | $1,150 | $600 |
| Coventry, RI | $222,300 | $1,162 | $790 | $1,610 | $820 |
| Colchester, CT | $254,000 | $860 | $620 | $1,220 | $600 |
| Orient, NY | $736,700 | $541 | $360 | $760 | $400 |
| Providence, RI | $181,100 | $1,014 | $730 | $1,400 | $670 |
| Glastonbury, CT | $344,100 | $1,309 | $930 | $1,850 | $920 |
| Dighton, MA | $324,400 | $925 | $630 | $1,310 | $680 |
| Northbridge, MA | $291,600 | $847 | $580 | $1,210 | $630 |
| Enfield, CT | $185,000 | $962 | $690 | $1,340 | $650 |