Gavop's guide to buying homeowners insurance in Oakville, 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 | $94,000 | $80,000 | $75,000-$100,000 |
| 2 Bedroom | $148,000 | $140,000 | $100,000-$125,000 |
| 3 Bedroom | $240,500 | $210,000 | $200,000-$250,000 |
| 4 Bedroom | $428,500 | $400,000 | $350,000-$400,000 |
| 5 Bedroom | $371,500 | $310,000 | $350,000-$400,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$121 | $746 |
| Superior Protection Discount | -$87 | $780 |
| Fire & Security Discount | -$69 | $798 |
| Hail Resistant Roof Discount | -$26 | $841 |
| Newly Constructed Home Discount | -$173 | $694 |
| 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 |
| Litchfield County | $700 | $1,102 | $1,802 | $801 | $1,501 | $301 |
| Oakville, CT | $2,000 | $856 | $2,856 | $622 | $2,622 | $234 |
| North Haven, CT | $400 | $934 | $1,334 | $679 | $1,079 | $255 |
| Canton Valley, CT | $2,000 | $1,171 | $3,171 | $851 | $2,851 | $320 |
| Pawling, NY | $400 | $834 | $1,234 | $606 | $1,006 | $228 |
| Weston, CT | $1,000 | $898 | $1,898 | $652 | $1,652 | $245 |
| Terramuggus, CT | $200 | $1,323 | $1,523 | $961 | $1,161 | $362 |
| Southwick, MA | $2,000 | $834 | $2,834 | $606 | $2,606 | $228 |
| Longmeadow, MA | $100 | $923 | $1,023 | $671 | $771 | $252 |
| Lloyd, NY | $700 | $773 | $1,473 | $562 | $1,262 | $211 |
| Calverton, NY | $300 | $701 | $1,001 | $510 | $810 | $192 |
| Kings Park, NY | $1,000 | $1,075 | $2,075 | $781 | $1,781 | $294 |
| Home Insurance Company Oakville, CT | Homeowners Insurance Agency Oakville, CT | Address | Popularity Score | Distance from Oakville (miles) |
|---|---|---|---|---|
| Travelers | Adam Miller Agency Llc | 227 Turnpike 2nd Fl., Monroe, CT, 6468 | 18.7 | |
| Travelers | Milburn Insurance Group Llc | 750 Straits Tpke Ste 2f, Middlebury, CT, 6762 | 4.2 | |
| Liberty Mutual Independent | Merit Insurance | 1 Enterprise Dr, Shelton, CT, 6484 | 21.8 | |
| Travelers | Greenwich Independent Insurance | 87 Avenue, Greenwich, CT, 6830 | 48.0 | |
| Allstate | Anthony Marciano | 940 High Ridge Rd, Stamford, CT, 6905 | 41.4 | |
| Liberty Mutual Independent | Cdr Insurance Group Inc | 211 Schraffts Dr, Waterbury, CT, 6705 | 6.1 | |
| Travelers | Birarelli Insurance Agency Llc | 55 Cherry Street, Milford, CT, 6460 | 25.3 | |
| Nationwide | Ira J. Kaplan | 331 Meriden Rd, Waterbury, CT, 6705 | 4.9 | |
| State Farm | Mark Shumilla Casl, Clu, Chfc | 551 Wolcott Street, Waterbury, CT, 06705-1323 | 4.5 | |
| Liberty Mutual Independent | W J Burton Insurance Agency | One Sherman Hill Rd, Woodbury, CT, 6798 | 7.6 |
| 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 | $1,790 | $950 |
| Litchfield County, CT | $250,100 | $1,115 | $750 | $1,590 | $840 |
| Oakville, CT | $194,000 | $867 | $600 | $1,220 | $620 |
| North Haven, CT | $299,000 | $946 | $630 | $1,330 | $700 |
| Canton Valley, CT | $245,000 | $1,185 | $820 | $1,680 | $860 |
| Pawling, NY | $297,300 | $844 | $570 | $1,190 | $620 |
| Weston, CT | $878,600 | $909 | $650 | $1,290 | $640 |
| Terramuggus, CT | $302,400 | $1,339 | $900 | $1,830 | $930 |
| Southwick, MA | $290,200 | $844 | $580 | $1,170 | $590 |
| Longmeadow, MA | $328,000 | $934 | $630 | $1,300 | $670 |
| Lloyd, NY | $244,000 | $783 | $570 | $1,110 | $540 |
| Calverton, NY | $222,000 | $710 | $490 | $1,020 | $530 |
| Kings Park, NY | $425,900 | $1,088 | $790 | $1,490 | $700 |