Hartford Insurance Rates:

Hartford, CT home insurance is roughly $708 to $959, about $59-$79/month. Our all inclusive guide shows customers can save upto $333 by comparing multiple quotes

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Hartford Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $510/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $240,000

4 Beds, 4 Baths 2220 sqft Primary Residence Constructed In 1978 with Wood Flooring, Shingles Roof, Crawl Space Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Central Air Conditioning, Indoor Sprinklers, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Single Female who is a Freelancer with household income of $25-50,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $1060/8 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $220,000

3 Beds, 3 Bath 1820 sqft Rental Property Constructed In 1953 with Carpet Flooring, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Central Air Conditioning, Copper Water Pipes, Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Guests at home

Home Insurance Rate of $1300/6 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $320,000

4 Beds, 4 Baths 2870 sqft Rental Property Constructed In 1954 with Ceramic Tile Flooring, Wood Shake Roof, Piers Foundation, Stucco siding, Wood Frame. Home Features Include Fireplace, Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

70 Years old Married Male who is a Freelancer with household income of $75-$100,000 and has 3 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 750-799 Credit Score

  • Guests at home

Home Insurance Rate of $1190/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $185,000

3 Beds, 3 Bath 1920 sqft Seasonal Residence Constructed In 1966 with Stone Flooring, Tile Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

45 Years old Married Male who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $180/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

3 Beds, 3 Bath 1560 sqft Rental Property Constructed In 1976 with Linoleum, Shingles Roof, Piers Foundation, Vinyl siding, Stucco Construction. Home Features Include Central Air Conditioning, Fireplace, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

29 Years old Married Female who is a Freelancer with household income of $75-$100,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $420/5 months for $75,000-$100,000 Coverage
Policy Holder Home Details :

Home Value : $90,000

1 Bed, 1 Bath 867 sqft Rental Property Constructed In 1967 with Stone Flooring, Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

70 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has More than 3 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 550-599 Credit Score

Hartford Rates & Quotes Analysis:

Hartford Area Estimated House Insurance
Potter St, Kane St, N Canaan St, E Raymond St, Mahoney Dr, Newton St, Cleveland Ave, Saint Monica Ave, Edwards St, Green St$826
Shultas Pl, Sargeant St, Liebert Rd, Owen St, Cogswell St, E Burnham St, Madison Ave, Stafford St, Westbourne Pkwy, Coleman Dr$841
Union Pl, Boothbay St, Rose St, Warren St, Keney Ter, Van Dyke Ave, Hampton St, Roger St, Salisbury St, Pembroke St$824
Dalton St, Atheneum Sq, Gaines Dr, Allen Dr, Regent St, Jewell Ct, Belridge St, Newbury St, Heath St, Eaton St$823
Bedford St, Putnam Hts, Franklin Pl, Asylum St, Pavilion St, Standish St, Colby St, Charter Oak Ave, Haynes St, Norfolk St$843

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,644 Homes (14% of total) built between 1950 to 1959 in Hartford are paying home insurance between $1,567-$1,579 and varies from West Hartford (+$77), Hartford County (+$43), Wethersfield (+$57), Waterbury (-$14) and Baltic (-$11).
  • Bedrooms: 13,379 1 bedroom homes (26% of total homes ) in Hartford are paying about $359. Areas near to Hartford such as West Hartford, Hartford County, Wethersfield are costlier by $18, $10, $13 respectively whereas Southwick(MA) and Agawam Town(MA) are more economical by $11, $12 respectively for similar homes.
  • Auto Insurance Bundling: 1,754 Households (15% of all households) in Hartford have 3 or more vehicles available and when it is bundled with home insurance you can save $208. Discounts for similar bundling in close by locations such as Blue Hills, West Hartford, East Hartford come to $207, $218, $208 respectively.
  • Senior Discounts: 5,591 seniors (more than 55 years) occupied housing units (49% of total) in Hartford get discounts between $124 to $127. The comparative concessions in proximate regions such as Blue Hills, West Hartford and East Hartford are $124, $131 and $125 respectively.
  • New Homes discounts: New homes such as the 11,720 homes built between 2000 to 2009 in Hartford can save $166 and similar new home insurance discounts in nearby towns and cities like Blue Hills, West Hartford and East Hartford are $165, $175 and $167 respectively.

Hartford Homeowners insurance Facts

  • Hartford, CT has 11,322 owner occupied houses which is 24.7% of all units whereas Blue Hills, West Hartford and East Hartford have 84.31%, 73.15% and 56.5% respectively.
  • Hartford, CT homeowners yearly insurance price at $833 is 0.47% of the typical house value of $178,300 which is in contrast with 0.5% in Blue Hills, 0.29% at West Hartford & 0.45% in East Hartford.
  • Homeowners in Hartford, CT pay 1.51% of their income ($50,000 to $59,999) in insurance whereas homeowners in Blue Hills, West Hartford and East Hartford pay 1.51%, 1.59% and 1.52% respectively.
  • Hartford, CT’s insurance is 4.1% of monthly housing costs of $1,712/month, for owners with a mortgage compared to 3.92% in Blue Hills, 3.26% at West Hartford & 3.89% in East Hartford. But, for households without a mortgage, insurance is 10.2% of costs ($681 in Hartford, CT) in contrast with 10.79% in Blue Hills, 8.21% at West Hartford & 10.16% in East Hartford.

Hartford, CT Home Values & Insurance rates

For example, insurance for 854 Homes (8.0% of total homes ) valued between $300,000 to $399,999 in Hartford, CT is about $1,632. Rates in nearby areas in such as West Hartford, East Hartford, Hartford County are cheaper by $635, $46, $417 respectively while Blue Hills and New Britain are costlier by $125 and $79 respectively for similar homes.

Hartford, CT Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 450 4.0% $116
$60,000 to $69,999 232 2.0% $299
$70,000 to $79,999 274 2.0% $349
$80,000 to $89,999 231 2.0% $391
$90,000 to $99,999 293 2.0% $441
$100,000 to $124,999 848 7.0% $508
$125,000 to $149,999 1,083 10.0% $641
$150,000 to $174,999 1,946 18.0% $758
$175,000 to $199,999 1,529 14.0% $874
$200,000 to $249,999 1,596 14.0% $1049
$250,000 to $299,999 1,226 11.0% $1282
$300,000 to $399,999 854 8.0% $1632

Renters Insurance in Hartford

  • Average Renters Insurance in Hartford :  $199($16/month)

  • Median Gross Rent in Hartford :  $855

  • Hartford Renters Insurance to Median Rent Ratio:  1.87%

  • Renter occupied housing units in Hartford :  34,573

Hartford Renters Insurance as a Percentage of Rent

Hartford Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,388 4.0% $349
$200 to $299 2,030 5.0% $799
$300 to $499 2,415 7.0% $1249
$500 to $749 6,507 19.0% $1924
$750 to $999 10,503 30.0% $2674
$1,000 to $1,499 9,213 27.0% $3799
$1,500 or more 1,983 5.0% $5449

Rent Affordability in Hartford:

Approximately 54.0% (18,737) of households are spending more than 35% of their income on gross rent in Hartford

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 3,023 8.0%
15.0 to 19.9 percent 3,063 8.0%
20.0 to 24.9 percent 3,085 8.0%
25.0 to 29.9 percent 3,697 10.0%
30.0 to 34.9 percent 2,968 8.0%
35.0 percent or more 18,737 54.0%

Protective device discount in Hartford Up to :  $29

Claims-free discount in Hartford Up to :  $39