Gavop's guide to buying homeowners insurance in Derby, 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.
| Derby, CT - Neighbourhoods, Census Blocks & Streets | 2 Bedroom | 3 Bedroom | ||||
|---|---|---|---|---|---|---|
| Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | Average Home Value | Estimated Replacement Value | Recommended Home Insurance Coverage | |
| Evelyn Rd, A St, Pleasant View Rd, David Humphrey Rd, Hawthorne Ave, Garfield Ave, F St, Nutmeg Ave, Anson St, Pinnacle Ridge | $165,000 | $150,000 | $150,000-$175,000 | $309,500 | $250,000 | $250,000-$300,000 |
| Minerva St, Torrance Ave, Brookside West Ct, S Division St, Thompson Pl, Old New Haven Ave, Lombardi Ln, Caldwell Dr, Lombardi Dr, Sherwood Ave | $197,500 | $170,000 | $200,000-$250,000 | $283,000 | $270,000 | $200,000-$250,000 |
| Valley View Ave, McKinley Ave, E Bassett Ln, Emmett Ave, Woodycrest St, Talmadge St, Harold Ave, Cullens Hill Rd, Belleview Dr, Krakow St | $238,000 | $220,000 | $200,000-$250,000 | $319,000 | $290,000 | $250,000-$300,000 |
| Marshall Ln, W 9th St, Osullivan Rd, Turner Ave, Lilac Cir, George Ave, Factory St, Albert Ave, Camptown St, McLaughlin Ter | $172,500 | $160,000 | $150,000-$175,000 | $192,500 | $160,000 | $200,000-$250,000 |
| B St, Clearveiw Ct, Sodom Ln, Dirienzo Hts, Indian Ave, Mason St, Derby Neck Rd, Selma Ave, Monaco Cir, Pershing Dr | $125,000 | $120,000 | $100,000-$125,000 | $231,000 | $210,000 | $200,000-$250,000 |
| Bundling Type | Discount ($) | Premium After Discount ($) |
|---|---|---|
| Home and One Car | -$69 | $799 |
| Home and Two Car | -$148 | $721 |
| Home and Three Car | -$217 | $651 |
| Claim Type | Average Claim Cost |
|---|---|
| General Claims | |
| Water Damage | $6,095 |
| Physical Damage | $2,537 |
| Hail Damage | $4,806 |
| Wind Damage | $6,305 |
| Expensive Claims | |
| Fire | $42,442 |
| Smoke | $17,054 |
| Home Insurance Company Derby, CT | Homeowners Insurance Agency Derby, CT | Address | Popularity Score | Distance from Derby (miles) |
|---|---|---|---|---|
| Travelers | Goodman Insurance Inc | Two Long Hill Avenue, Shelton, CT, 6484 | 1.0 | |
| State Farm | Jon D. Racow | 50 S Main St Ste 2c, Wallingford, CT, 06492-4219 | 16.3 | |
| Travelers | United Insurance Group Inc | 569 Boston Post Rd, Orange, CT, 6477 | 6.1 | |
| Liberty Mutual Independent | James P Murphy & Associates | 3 Belden Ave, Norwalk, CT, 6850 | 22.6 | |
| Travelers | United Insurance Group Inc | 569 Boston Post Road, Orange, CT, 6477 | 6.1 | |
| Travelers | Nicholson Associates Inc | 395 New Haven Ave, Milford, CT, 6460 | 7.4 | |
| Nationwide | Rose Insurance Agency Llc | 418 Roosevelt Dr, Derby, CT, 06418-1667 | 1.3 | |
| Liberty Mutual Independent | Birarelli Agency Llc | 55 Cherry St, Milford, CT, 6460 | 7.0 | |
| Allstate | Ted Gasparino | 711 Middletown Rd Ste 3, Colchester, CT, 6415 | 38.1 | |
| State Farm | Rick Locicero | 1516 Barnum Ave, Stratford, CT, 06614-5406 | 9.5 |
| Place | Typical Home Value | Typical Home Insurance Costs | 25th Percentile | 75th Percentile | Potential Savings & Difference between 25th & 75th Percentile |
|---|---|---|---|---|---|
| Connecticut | $270,100 | $1,253 | $890 | $1,770 | $880 |
| New Haven County, CT | $244,400 | $1,183 | $800 | $1,620 | $820 |
| Derby, CT | $194,600 | $869 | $630 | $1,190 | $560 |
| New Haven, CT | $189,400 | $854 | $620 | $1,170 | $550 |
| Southbury, CT | $325,000 | $995 | $670 | $1,400 | $730 |
| Woodbury, CT | $350,800 | $1,048 | $770 | $1,440 | $670 |
| Westport, CT | $1,152,100 | $926 | $640 | $1,320 | $680 |
| Patterson, NY | $322,100 | $941 | $690 | $1,300 | $610 |
| Centerport, NY | $595,600 | $850 | $620 | $1,220 | $600 |
| Harrison, NY | $824,300 | $852 | $620 | $1,180 | $560 |
| Jericho, NY | $732,100 | $862 | $630 | $1,220 | $590 |
| Arlington, NY | $192,100 | $745 | $530 | $1,020 | $490 |