Gavop shows you how to buy homeowners insurance in Hartford County, CT by estimating coverage, choosing the right deductible, contacting the best agents, understanding claim requirements, comparing cheap rates, using discount options and reading reviews.
| Bedrooms | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage |
|---|---|---|---|
| 1 Bedroom | $54,000 | $50,000 | $50,000-$75,000 |
| 2 Bedroom | $189,500 | $170,000 | $150,000-$175,000 |
| 3 Bedroom | $245,000 | $200,000 | $200,000-$250,000 |
| 4 Bedroom | $335,000 | $310,000 | $250,000-$300,000 |
| 5 Bedroom | $428,000 | $360,000 | $400,000-$500,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$204 | $872 |
| Superior Protection Discount | -$108 | $968 |
| Fire & Security Discount | -$75 | $1,001 |
| Hail Resistant Roof Discount | -$32 | $1,044 |
| Newly Constructed Home Discount | -$269 | $807 |
| 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 |
| Hartford County | $1,000 | $1,063 | $2,063 | $773 | $1,773 | $291 |
| Hartford County, CT | $700 | $1,063 | $1,763 | $773 | $1,473 | $291 |
| New Britain, CT | $300 | $854 | $1,154 | $620 | $920 | $233 |
| Bolton, CT | $700 | $1,285 | $1,985 | $934 | $1,634 | $351 |
| Southwick, MA | $300 | $834 | $1,134 | $606 | $906 | $228 |
| Hampden, MA | $700 | $802 | $1,502 | $583 | $1,283 | $219 |
| Storrs, CT | $500 | $891 | $1,391 | $647 | $1,147 | $243 |
| North Canaan, CT | $2,500 | $1,023 | $3,523 | $743 | $3,243 | $279 |
| New Haven, CT | $400 | $844 | $1,244 | $613 | $1,013 | $231 |
| Derby, CT | $1,000 | $858 | $1,858 | $624 | $1,624 | $235 |
| Bridgewater, CT | $100 | $2,052 | $2,152 | $1,491 | $1,591 | $561 |
| Home Insurance Company Hartford County, CT | Homeowners Insurance Agency Hartford County, CT | Address | Popularity Score | Distance from Hartford County (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Montagno Insurance Agency | 344 Robbins St, Waterbury, CT, 6708 | 24.4 | |
| Liberty Mutual Independent | Bouvier Insurance | 29 N Main St, West Hartford, CT, 6107 | 2.9 | |
| Allstate | Charles J. Trombetta | 45 Padanaram Rd, Danbury, CT, 6811 | 46.4 | |
| Liberty Mutual Independent | Harris Adelberg & Strauss | 433 S Main St Ste 324 , West Hartford, CT, 6110 | 5.1 | |
| Liberty Mutual Independent | Birarelli Agency Llc | 55 Cherry St, Milford, CT, 6460 | 43.3 | |
| Liberty Mutual Independent | Summit Financial Group Inc | 288 Broad St, Milford, CT, 6460 | 44.1 | |
| Travelers | Del Greco Agencies Inc | 1789 Park Street, Hartford, CT, 6106 | 3.6 | |
| Allstate | Alphonsus Aguh | 737 Wethersfield Ave, Hartford, CT, 6114 | 5.8 | |
| Liberty Mutual Independent | Wellstone Insurance | 800 Cottage Grove Rd, Bloomfield, CT, 6002 | 0.8 | |
| Liberty Mutual Independent | R T Specialty Llc | 20 Church St, Hartford, CT, 6103 | 4.0 |
| 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 | $1,720 | $820 |
| Hartford County, CT | $235,300 | $1,076 | $770 | $1,500 | $730 |
| Hartford County, CT | $235,300 | $1,076 | $720 | $1,480 | $760 |
| New Britain, CT | $156,800 | $864 | $620 | $1,230 | $610 |
| Bolton, CT | $288,200 | $1,301 | $940 | $1,780 | $840 |
| Southwick, MA | $290,200 | $844 | $580 | $1,190 | $610 |
| Hampden, MA | $275,200 | $812 | $540 | $1,130 | $590 |
| Storrs, CT | $207,000 | $901 | $650 | $1,270 | $620 |
| North Canaan, CT | $194,800 | $1,035 | $710 | $1,470 | $760 |
| New Haven, CT | $189,400 | $854 | $620 | $1,180 | $560 |
| Derby, CT | $194,600 | $869 | $630 | $1,240 | $610 |
| Bridgewater, CT | $495,000 | $2,077 | $1,410 | $2,870 | $1,460 |