Gavop's guide to buying homeowners insurance in Prospect, 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.
| Prospect, CT - Neighbourhoods, Census Blocks & Streets | 3 Bedroom | 4 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Notch Rd, Barry Ln, Sills Ave, Porter Hill Rd, Morris Rd, Alison Ct, Giovanni Dr, Overlook Ct, Sterling Woods, Old Schoolhouse Rd | $372,000 | $320,000 | $300,000-$350,000 | $408,000 | $340,000 | $300,000-$350,000 |
| Vaillen Ct, Maria Hotchkiss Rd, Luke St, Sycamore Dr, Longwood Dr, Batbara Ave, Tress Rd, Wilkens Ln, White Oak Dr, Beach Dr | $243,000 | $200,000 | $250,000-$300,000 | $305,000 | $250,000 | $300,000-$350,000 |
| Thistle Down Ln, Cook Rd, Farmwood Dr, Woodland Ter, Putting Green Ln, Matthew St, Wagon Wheel Dr, Woodmont Ests, Sherwood Dr, Southridge Rd | $313,000 | $290,000 | $250,000-$300,000 | $574,000 | $480,000 | $600,000-$700,000 |
| Raindance Ct, Tulip Tree Cir, Industrial Rd, Barbara Ave, Rosewood Dr, Catherine Dr, Knapp Dr, Pinecrest Dr, Damase St, Melissa Ln | $185,000 | $160,000 | $175,000-$200,000 | $440,000 | $400,000 | $400,000-$500,000 |
| Karyl Ln, Rosemary, Lombard Dr, Union City Rd, Coer Rd, Saddle Ct, Amber Ct, Rozum Cir, Peach Orchard Rd, Valley Ln | $250,000 | $230,000 | $200,000-$250,000 | $325,500 | $280,000 | $350,000-$400,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$77 | $884 |
| Home and Two Car | -$154 | $807 |
| Home and Three Car | -$231 | $731 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,216 |
| Physical Damage | $2,319 |
| Hail Damage | $4,571 |
| Wind Damage | $6,242 |
| Expensive Claims | |
| Fire | $45,123 |
| Smoke | $17,556 |
| Home Insurance Company Prospect, CT | Homeowners Insurance Agency Prospect, CT | Address | Popularity Score | Distance from Prospect (miles) |
|---|---|---|---|---|
| Liberty Mutual Independent | Cpm Insurance Services Llc | 90 Hinman St, Cheshire, CT, 6410 | 3.9 | |
| State Farm | Caleb Carney | 401 Newfield St, Middletown, CT, 06457-6406 | 16.5 | |
| Liberty Mutual Independent | Merit Insurance | 1 Enterprise Dr, Shelton, CT, 6484 | 17.2 | |
| State Farm | Chris Bamgboye | 1890 Dixwell Ave Ste 108, Hamden, CT, 06514-3118 | 9.8 | |
| Travelers | Nebco Insurance Services Llc | 5 Greenwich Office Park, Greenwich, CT, 6831 | 48.2 | |
| Travelers | The Insurance Store | 4133 Whitney Ave Ste 2a, Hamden, CT, 6518 | 5.2 | |
| Liberty Mutual Independent | Cdr Insurance Group Inc | 211 Schraffts Dr, Waterbury, CT, 6705 | 3.0 | |
| Liberty Mutual Independent | Nicholson Associates Inc | 395 New Haven Ave, Milford, CT, 6460 | 19.3 | |
| Nationwide | Ira J. Kaplan | 331 Meriden Rd, Waterbury, CT, 6705 | 4.0 | |
| Allstate | Michael Saunders | 142 Old Ridgefield Rd Ste 206, Wilton, CT, 6897 | 31.8 |
| 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 | $1,730 | $870 |
| New Haven County, CT | $244,400 | $1,183 | $800 | $1,620 | $820 |
| Prospect, CT | $307,400 | $961 | $640 | $1,330 | $690 |
| Barkhamsted, CT | $258,500 | $1,222 | $870 | $1,740 | $870 |
| North Salem, NY | $582,400 | $852 | $570 | $1,180 | $610 |
| Poquott, NY | $564,400 | $2,561 | $1,740 | $3,510 | $1,770 |
| Miller Place, NY | $423,800 | $1,080 | $790 | $1,500 | $710 |
| Kent, NY | $285,900 | $801 | $580 | $1,150 | $570 |
| Katonah, NY | $714,400 | $758 | $520 | $1,080 | $560 |
| Peconic, NY | $557,100 | $2,533 | $1,700 | $3,600 | $1,900 |
| Freedom Plains, NY | $207,500 | $793 | $530 | $1,130 | $600 |
| Oxoboxo River, CT | $168,800 | $945 | $640 | $1,310 | $670 |
| Yaphank, NY | $310,800 | $896 | $640 | $1,230 | $590 |