Gavop's guide to buying homeowners insurance in Orange, 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 | $156,000 | $140,000 | $125,000-$150,000 |
| 2 Bedroom | $299,500 | $280,000 | $350,000-$400,000 |
| 3 Bedroom | $417,500 | $350,000 | $350,000-$400,000 |
| 4 Bedroom | $769,500 | $670,000 | $800,000-$900,000 |
| 5 Bedroom | $668,000 | $620,000 | $700,000-$800,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$178 | $812 |
| Superior Protection Discount | -$99 | $891 |
| Fire & Security Discount | -$99 | $891 |
| Hail Resistant Roof Discount | -$30 | $961 |
| Newly Constructed Home Discount | -$238 | $753 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,337 |
| Physical Damage | $2,392 |
| Hail Damage | $4,476 |
| Wind Damage | $6,687 |
| Expensive Claims | |
| Fire | $43,336 |
| Smoke | $16,386 |
| Home Insurance Company Orange, CT | Homeowners Insurance Agency Orange, CT | Address | Popularity Score | Distance from Orange (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Bouvier Insurance | 29 North Main Street , West Hartford, CT, 6107 | 36.2 | |
| State Farm | Elsie Encarnacion | 505 Campbell Ave, West Haven, CT, 06516-5018 | 4.0 | |
| Travelers | Merit Insurance | 1 Enterprise Dr Ste 310, Shelton, CT, 6484 | 5.4 | |
| Liberty Mutual Independent | Greenberg Rhein & Margolis Inc | 1768 Litchfield Turnpike, Woodbridge, CT, 6525 | 4.9 | |
| Travelers | Mgroup | 601 Boston Post Rd Ste 5, Milford, CT, 6460 | 4.1 | |
| Travelers | Nicholson Associates Inc | 395 New Haven Ave, Milford, CT, 6460 | 4.3 | |
| State Farm | Wanda Carlson | 465a Bridgeport Ave, Milford, CT, 06460-4105 | 6.5 | |
| Liberty Mutual Independent | Associated Insurance Services | 106 W Main St, Plainville, CT, 6062 | 27.8 | |
| Allstate | Scott Insurance | 3151 Main St, Stratford, CT, 6614 | 7.9 | |
| Liberty Mutual Independent | Summit Financial Group Inc | 288 Broad St, Milford, CT, 6460 | 5.1 |
| 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 | $1,730 | $830 |
| New Haven County, CT | $244,400 | $1,183 | $850 | $1,670 | $820 |
| Orange, CT | $385,100 | $990 | $680 | $1,360 | $680 |
| Woodbridge, CT | $478,600 | $1,081 | $790 | $1,490 | $700 |
| Cheshire, CT | $329,000 | $1,003 | $720 | $1,430 | $710 |
| Woodbury, CT | $350,800 | $1,048 | $740 | $1,440 | $700 |
| Old Field, NY | $1,081,100 | $711 | $510 | $990 | $480 |
| St. James, NY | $445,000 | $1,094 | $730 | $1,500 | $770 |
| Village of the Branch, NY | $516,100 | $2,373 | $1,610 | $3,300 | $1,690 |
| East Haddam, CT | $268,800 | $888 | $590 | $1,230 | $640 |
| Greenport West, NY | $478,400 | $2,378 | $1,710 | $3,310 | $1,600 |
| Brentwood, NY | $285,500 | $1,046 | $720 | $1,500 | $780 |
| Southampton, NY | $626,400 | $1,105 | $760 | $1,560 | $800 |