Gavop's guide to buying homeowners insurance in Hartford, VT 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 | $75,000 | $70,000 | $75,000-$100,000 |
| 2 Bedroom | $221,500 | $200,000 | $175,000-$200,000 |
| 3 Bedroom | $187,500 | $160,000 | $150,000-$175,000 |
| 4 Bedroom | $422,500 | $400,000 | $500,000-$600,000 |
| 5 Bedroom | $190,000 | $160,000 | $200,000-$250,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$120 | $546 |
| Superior Protection Discount | -$67 | $600 |
| Fire & Security Discount | -$60 | $606 |
| Hail Resistant Roof Discount | -$13 | $653 |
| Newly Constructed Home Discount | -$160 | $506 |
| 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 |
| Windsor County | $1,500 | $745 | $2,245 | $541 | $2,041 | $203 |
| Hartford, VT | $2,500 | $658 | $3,158 | $478 | $2,978 | $180 |
| Randolph, VT | $200 | $726 | $926 | $528 | $728 | $198 |
| Chelsea, VT | $700 | $671 | $1,371 | $488 | $1,188 | $183 |
| Rutland County, VT | $700 | $682 | $1,382 | $496 | $1,196 | $186 |
| Plainfield, VT | $2,000 | $765 | $2,765 | $556 | $2,556 | $209 |
| West Haven, VT | $500 | $735 | $1,235 | $534 | $1,034 | $201 |
| Windham County, VT | $2,500 | $738 | $3,238 | $536 | $3,036 | $202 |
| Home Insurance Company Hartford, VT | Homeowners Insurance Agency Hartford, VT | Address | Popularity Score | Distance from Hartford (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Kinney Pike Insurance | 199 Main St, Poultney, VT, 5764 | 43.9 | |
| State Farm | Mike Heyl | 2456 Christian Street, White River Junction, VT, 5001 | 3.7 | |
| Liberty Mutual Independent | Kinney Pike Insurance Inc | 42 Meadow Ln, Randolph, VT, 5060 | 21.8 | |
| Liberty Mutual Independent | The Richards Group | 326 Main St # 3 1820 House, Norwich, VT, 5055 | 5.2 | |
| Allstate | Poulos Ins Inc | 2472 Vt Rte 107, Bethel, VT, 5032 | 15.9 | |
| Travelers | Parker Agency | 160 Gates St, White River Junction, VT, 5001 | 3.4 | |
| Liberty Mutual Independent | Mccrillis & Eldredge Ins Inc | 2 Park St, Brandon, VT, 5733 | 36.3 | |
| Allstate | Poulos Ins Inc | 1 Franklin St, Brandon, VT, 5733 | 36.3 | |
| Liberty Mutual Independent | Kinney Pike Insurance | 199 Main St Ste 2, Poultney, VT, 5764 | 43.9 | |
| State Farm | Richard Jones | 407 Barre St Ste 100, Montpelier, VT, 05602-3629 | 41.4 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Vermont | $220,600 | $783 | $570 | $1,100 | $530 |
| Windsor County, VT | $216,300 | $754 | $540 | $1,070 | $530 |
| Hartford, VT | $227,400 | $666 | $450 | $920 | $470 |
| Randolph, VT | $190,300 | $735 | $530 | $1,010 | $480 |
| Chelsea, VT | $161,500 | $679 | $480 | $930 | $450 |
| Rutland County, VT | $177,600 | $691 | $460 | $960 | $500 |
| Plainfield, VT | $214,500 | $774 | $560 | $1,100 | $540 |
| West Haven, VT | $195,700 | $744 | $500 | $1,030 | $530 |
| Windham County, VT | $212,000 | $747 | $520 | $1,020 | $500 |