Gavop's guide to buying homeowners insurance in Harwinton, 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 | $90,500 | $80,000 | $100,000-$125,000 |
| 2 Bedroom | $143,500 | $130,000 | $125,000-$150,000 |
| 3 Bedroom | $267,500 | $250,000 | $250,000-$300,000 |
| 4 Bedroom | $227,500 | $220,000 | $200,000-$250,000 |
| 5 Bedroom | $288,500 | $250,000 | $300,000-$350,000 |
| Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Multipolicy Discount | -$148 | $776 |
| Superior Protection Discount | -$83 | $841 |
| Fire & Security Discount | -$102 | $823 |
| Hail Resistant Roof Discount | -$28 | $897 |
| Newly Constructed Home Discount | -$222 | $702 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $5,914 |
| Physical Damage | $2,344 |
| Hail Damage | $4,476 |
| Wind Damage | $6,051 |
| Expensive Claims | |
| Fire | $46,463 |
| Smoke | $17,389 |
| Home Insurance Company Harwinton, CT | Homeowners Insurance Agency Harwinton, CT | Address | Popularity Score | Distance from Harwinton (miles) |
|---|---|---|---|---|
| Travelers | Roland Dumont Agency Inc | 985 Farmington Ave, Bristol, CT, 6011 | 9.0 | |
| Travelers | Brooks Todd & Mcneil | 69 Water Street, Torrington, CT, 6790 | 4.3 | |
| Liberty Mutual Independent | Lamburt Corporation | 1980 Main St, Stratford, CT, 6615 | 39.8 | |
| Liberty Mutual Independent | The Roland Dumont Agency | 985 Farmington Ave, Bristol, CT, 6010 | 9.0 | |
| State Farm | Elsie Encarnacion | 505 Campbell Ave, West Haven, CT, 06516-5018 | 34.3 | |
| State Farm | Frank Fraulo | 115 Main St, Norwalk, CT, 06851-4616 | 47.8 | |
| State Farm | Matthew J. Bub | 683 Farmington Ave, Bristol, CT, 06010-3974 | 8.7 | |
| Travelers | Toth Insurance Agency Llc | 703 Winsted Rd, Torrington, CT, 6790 | 5.3 | |
| State Farm | Michael Amatrudo | 112 Montowese St Ste A, Branford, CT, 06405-3870 | 35.8 | |
| State Farm | Omar Juarbe | 225 Hawley Ln Ste 2a, Stratford, CT, 06614-1514 | 36.7 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Connecticut | $270,100 | $1,253 | $840 | $1,740 | $900 |
| Litchfield County, CT | $250,100 | $1,115 | $800 | $1,580 | $780 |
| Harwinton, CT | $287,900 | $924 | $670 | $1,320 | $650 |
| Winchester, CT | $164,600 | $780 | $570 | $1,080 | $510 |
| Prospect, CT | $307,400 | $961 | $640 | $1,320 | $680 |
| Enfield, CT | $185,000 | $962 | $700 | $1,340 | $640 |
| Hebron, CT | $302,900 | $953 | $650 | $1,310 | $660 |
| Redding, CT | $597,500 | $1,150 | $770 | $1,580 | $810 |
| Hopewell Junction, NY | $265,100 | $1,026 | $730 | $1,450 | $720 |
| Georgetown, CT | $675,800 | $2,407 | $1,660 | $3,420 | $1,760 |
| Mahopac, NY | $368,800 | $1,007 | $730 | $1,400 | $670 |
| Williamsburg, MA | $268,100 | $1,121 | $800 | $1,580 | $780 |
| Palmer Town, MA | $188,600 | $778 | $570 | $1,100 | $530 |