How Can I Make My New Haven, CT Home Insurance Cheaper

Gavop's guide to buying homeowners insurance in New Haven, 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.

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No	Topics
1	Research How your New Haven, CT Home Impacts your Rates
2	Match your Background to New Haven, CT Home Insurance Offers
3	Optimize your New Haven, CT Homeowners Insurance Policy
4	Identify Top Home Insurance Agents near New Haven, CT
5	Compare Rates from Home Insurance Companies in New Haven, CT
6	Research Home Insurance Companies Reviews in New Haven, CT

Estimate your New Haven, CT Home Insurance Premium by Construction Year | Back to Top

Bundling Type	Discount ($)	Premium After Discount ($)
Newly Constructed Home	-$222	$632
30 year old	+$13	$867
40 year old	+$22	$876
50 year old	+$32	$887
Above 50 year old	+$41	$895

Estimate your Savings with Home Insurance Discounts in New Haven, CT | Back to Top

Type	Discount ($)	Premium After Discount ($)
Multipolicy Discount	-$137	$718
Superior Protection Discount	-$85	$769
Fire & Security Discount	-$68	$786
Hail Resistant Roof Discount	-$26	$829
Newly Constructed Home Discount	-$205	$649

Choose the Right Deductible for your New Haven, CT Home | Back to Top

		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
New Haven County	$2,500	$1,169	$3,669	$849	$3,349	$319
New Haven, CT	$2,000	$844	$2,844	$613	$2,613	$231
Southbury, CT	$400	$983	$1,383	$715	$1,115	$269
Shoreham, NY	$1,000	$2,489	$3,489	$1,809	$2,809	$680
East Marion, NY	$300	$2,732	$3,032	$1,985	$2,285	$747
Shelter Island Heights, NY	$2,000	$900	$2,900	$654	$2,654	$246
East Quogue, NY	$200	$2,386	$2,586	$1,734	$1,934	$652
Manchester, CT	$700	$941	$1,641	$684	$1,384	$257
East Windsor, CT	$500	$884	$1,384	$642	$1,142	$242
Syosset, NY	$1,500	$833	$2,333	$605	$2,105	$228
North Granby, CT	$300	$1,510	$1,810	$1,097	$1,397	$413
Old Mystic, CT	$700	$1,137	$1,837	$826	$1,526	$311

Identify Top Home Insurance Agents near New Haven, CT | Back to Top

Home Insurance Company New Haven, CT	Homeowners Insurance Agency New Haven, CT	Address	Distance from New Haven (miles)
Liberty Mutual Independent	Goodman Insurance Inc	2 Long Hill Ave, Shelton, CT, 6484	8.9
Allstate	Peter F. Lupoli	162 Montowese St, Branford, CT, 6405	6.4
Allstate	Eric Grantz	1496 Boston Post Rd Ste 3, Milford, CT, 6460	7.2
Allstate	James Umelo	295 Blake St Ste 2b, New Haven, CT, 6515	1.9
Liberty Mutual Independent	Nicholson Associates Inc	395 New Haven Ave, Milford, CT, 6460	8.5
Liberty Mutual Independent	United Insurance Group Inc	569 Boston Post Road, Orange, CT, 6477	6.4
Travelers	Bailey Agencies Inc	15 Thames Street Suite 100, Groton, CT, 6340	43.9
Travelers	Griffin Insurance Llc	239 North Main St, Branford, CT, 6405	6.4
Allstate	Suzanne Malloy Zaleski	543 Newfield Ave, Stamford, CT, 6905	35.6
Travelers	Broad Range Benefits Group Llc	2929 Fairfield Ave, Bridgeport, CT, 6605	19.0

Compare Rates for New Haven, CT Home Insurance Providers | Back to Top

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	$1,740	$880
New Haven County, CT	$244,400	$1,183	$860	$1,680	$820
New Haven, CT	$189,400	$854	$620	$1,170	$550
Southbury, CT	$325,000	$995	$730	$1,420	$690
Shoreham, NY	$497,100	$2,519	$1,840	$3,500	$1,660
East Marion, NY	$618,600	$2,765	$2,020	$3,900	$1,880
Shelter Island Heights, NY	$912,100	$911	$660	$1,260	$600
East Quogue, NY	$526,900	$2,415	$1,640	$3,430	$1,790
Manchester, CT	$182,100	$952	$650	$1,300	$650
East Windsor, CT	$204,300	$895	$640	$1,260	$620
Syosset, NY	$627,000	$843	$620	$1,170	$550
North Granby, CT	$368,400	$1,528	$1,020	$2,110	$1,090
Old Mystic, CT	$233,000	$1,151	$780	$1,650	$870

Research Home Insurance Companies Reviews in New Haven, CT Before Buying | Back to Top

Share a review on your home insurance company

Copeland Group Home Insurance Reviews

Date: October 02, 2018 Age: 20 to 29 Gender: Male Marital Status: Unmarried

Communication

I don't have a lot of communication with them. but when I do, they are very helpful and make it easy for me.

Date: September 15, 2018 Age: 20 to 29 Gender: Female Marital Status: Married

Premium

This is one of the cheaper policies I could get for my home. my insurance agent was able to find the best coverage for the price.

Date: September 05, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried

Customer Service

I can't call and get someone on the phone right away. I have to navigate through countless prompts to get to the correct person. Once on the phone, the customer service is great.

Date: July 25, 2018 Age: 30 to 39 Gender: Female Marital Status: Married

Policy Offerings

my insurance covers, hurricanes or large storms, floods, hail damage, fire damage, it also covers any medical bills for injuries

Date: November 18, 2017 Age: Above 60 Gender: Female Marital Status: Married

Website/App

The website is easy to navigate. It shows me all my coverage and breaks everything down. I'm able to chat with a representative if I have any questions.

American Modern Insurance Home Insurance Reviews

Date: September 11, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried

Communication

They never contact me, which is fine. I don't think I have received more than one letter in the mail from them.

Date: August 26, 2018 Age: 20 to 29 Gender: Female Marital Status: Married

Website/App

I have never used the company's website or mobile app, as I don't really need it right now.

Date: August 12, 2018 Age: 30 to 39 Gender: Female Marital Status: Married

Premium

It is more expensive but because we live in a high wildfire area, the premiums are more and very few insurance companies are willing to insure us.

Date: June 03, 2018 Age: 50 to 59 Gender: Female Marital Status: Unmarried

Policy Offerings

300K in liability, Full Rebuild on Dwelling, loss of use, medical payments

Date: March 17, 2018 Age: 50 to 59 Gender: Female Marital Status: Married

Customer Service

I have never had to call customer service, so I cannot comment on whether or not the company's customer service is good or bad.

Farmer's Insurance Home Insurance Reviews

Date: September 26, 2018 Age: 40 to 49 Gender: Male Marital Status: Married

Premium

My premium is not the cheapest in the world but I have found comparable companies that were more expensive as well. The ones that I find with cheaper premiums are those that I have more doubts as to whether they would stand behind my policy when I need them to.

Date: September 06, 2018 Age: 30 to 39 Gender: Male Marital Status: Unmarried

Customer Service

I have been with Farmers Insurance my entire life and have although I have looked from time to time I have kept the same insurance for both my home and my car. My Father was with them before me. It is because of their service and reliability that I stay with them. The only issue I had with them was when I did not have a rental car provision on my car insurance when I needed. I have since had that added but it should have been on there before that. There is little else that I have to be dissatisfied with their service.

Date: August 10, 2018 Age: 40 to 49 Gender: Female Marital Status: Unmarried

Communication

I like that the insurance agent is easy to get in touch with and has quick and knowledgeable answer to any questions that I have had. Even his staff have been able to provide answers to anything that I need.

Date: June 17, 2018 Age: 50 to 59 Gender: Male Marital Status: Married

Website/App

I like that I can access my insurance card and all insurance documents from my phone via the Farmers insurance app. If I ever have a question regarding what is included then I can just look it up on my phone.

Date: March 12, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried

Policy Offerings

My home insurance policy covers the contents of my house from theft and damage through accident or natural disaster. I also have a Ryder to cover me with a rental apartment if my home needs repair.

State Farm Home Insurance Reviews

Date: December 27, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried

Premium

Compared to other companies, I have a higher deductible for my home insurance policy. I accepted a higher deductible to reduce my premium. Although other insurance companies would have done the same, I felt State Farm was the better choice based on the coverage offered and the reduced premium.

Date: October 23, 2018 Age: 30 to 39 Gender: Female Marital Status: Unmarried

Website/App

I personally don't really like the mobile app because sometimes it freezes or crashes and when I try and open it back up the loading takes a little while to finish.

Aetna Home Insurance Reviews

Date: January 16, 2019 Age: 40 to 49 Gender: Female Marital Status: Married

Customer Service

I have not had to use the customer service for much more than billing and payment issues, but they have always been easy to work with.

Progressive Home Insurance Reviews

Date: December 01, 2018 Age: 30 to 39 Gender: Female Marital Status: Married

Premium

These policies are much cheaper and reliable for the benefit of the client

Liberty Mutual Home Insurance Reviews

Date: February 08, 2019 Age: 20 to 29 Gender: Female Marital Status: Unmarried

Customer Service

I've never had to file any claims and I've had no issue with the insurance company. I don't have enough information to form much of an opinion about this company.

Allstate Home Insurance Reviews

Date: April 03, 2019 Age: 40 to 49 Gender: Female Marital Status: Married

Policy Offerings

I have no idea how Allstate compares to other insurance providers. We have used the same company for many years, and have not bothered to compare it.

Travelers Home Insurance Reviews

Date: November 19, 2018 Age: Above 60 Gender: Female Marital Status: Unmarried

Premium

Travelers was the lowest premiums, for the best coverage I could find, and I always go with high deductibles to lower my premiums as much as possible.

Narragansett Bay Insurance Company Home Insurance Reviews

Date: January 29, 2019 Age: 30 to 39 Gender: Male Marital Status: Unmarried

Customer Service

Company has been responsive and honest when I have posed questions. They usually answer my questions within 24 hours and agents are polite and patient. I have not had any problems when using the company's customer service.