Norwalk Insurance Rates:

Norwalk, CT home insurance is nearly $781 to $1,061, about $65-$88/month. Our in depth research shows customers can save upto $368 by comparing multiple quotes

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Norwalk Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $1680/3 months for $900000-$1000000 Coverage
Policy Holder Home Details :

Home Value : $885,000

5 Beds, 5 Baths 4670 sqft Seasonal Residence Constructed In 1964 with Carpet Flooring, Composition Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Single Male who is a Freelancer with household income of $50-$75,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Home Insurance Rate of $980/7 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $325,000

3 Beds, 3 Bath 1420 sqft Vacation Property Constructed In 1946 with Carpet over wood flooring, Shingles Roof, Slab Foundation, Stucco siding, Wood Frame. Home Features Include Fireplace, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Married Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $470/2 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $355,000

2 Beds, 2 Bath 1640 sqft Primary Residence Constructed In 1989 with Wood Flooring, Shingles Roof, Slab Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Smoke Alarm, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

25 Years old Single Male who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1310/2 months for $900000-$1000000 Coverage
Policy Holder Home Details :

Home Value : $965,000

5 Beds, 5 Baths 4520 sqft Vacation Property Constructed In 1970 with Stone Flooring, Tile Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

48 Years old Single Male who is Unemployed with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $3400/7 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $490,000

5 Beds, 5 Bath 2710 sqft Primary Residence Constructed In 1979 with Linoleum, Metal Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

47 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

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

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1580/10 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $315,000

3 Beds, 3 Bath 1570 sqft Vacation Property Constructed In 1969 with Linoleum, Slate Shingles Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Smoke Alarm, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

33 Years old Single Female who is a Freelancer with household income of less than $25,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $2120/9 months for $500000-$600000 Coverage
Policy Holder Home Details :

Home Value : $680,000

5 Beds, 5 Baths 3620 sqft Vacation Property Constructed In 1961 with Carpet over wood flooring, Wood Shake Roof, Piers Foundation, Vinyl siding, Brick Frame. Home Features Include Indoor Sprinklers, Smoke Alarm, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

24 Years old Married Male who is a Freelancer with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • Up to 499 Credit Score

  • Seniors staying at home

Home Insurance Rate of $2070/4 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $675,000

4 Beds, 4 Baths 3070 sqft Rental Property Constructed In 1992 with Stone Flooring, Membrane Roof, Piers Foundation, Stone Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Fireplace, Central Air Conditioning, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

65 Years old Single Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

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

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $1270/3 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $615,000

5 Beds, 5 Baths 2920 sqft Primary Residence Constructed In 1994 with Wood Flooring, Shingles Roof, Piers Foundation, Brick siding, Stucco Construction. Home Features Include Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

63 Years old Single Male who is Retired with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $280/2 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $185,000

1 Bed, 1 Bath 704 sqft Rental Property Constructed In 1957 with Ceramic Tile Flooring, Metal Roof, Chainwall Foundation, Wood siding, Wood Frame. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

28 Years old Single Female who is Unemployed and has 1 Pet and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Norwalk Rates & Quotes Analysis:

Norwalk Area Estimated House Insurance
Windsor Pl, Pine Hill Ave Exd, Gregory Blvd, Silk St, Father Conlon Pl, Blackberry Ln, W View Ln, Oriole Dr, Wilton Ave, Ox Yoke Ln$893
Cory Ln, Overbrook Rd, Fairfield Ter, Meredith Ct, Possum Ln, Marlin Dr, Spinning Wheel Ln, W Meadow Pl, Merritt Pl, Stevens St$910
Broad Ct, Susan Ct, Woodacre Rd, Norden Pl, Oakhill Ave, Glen Ave, Coolidge St, Rhodonolia Park, Winterset Dr, Crockett St$935
Moore Pl, Greenwood Pl, Nolan St, Larsen St, Van Ness St, W Rocks Rd, S Smith St, Myrtle St Exd, Cudlipp St, Valley View Ct$888
Minerva Pl, McAllister Ave, Watson Ct, Eclipse Ave, Folwell Rd, Burchard Ln N, Deepwood Ln, Witch Ln, Podmore St, Couch St$915
Ridgewood Rd, Brookfield St, Thames St, Catalpa St, Barjune Rd, Dry Hill Rd, Macintosh Rd, Three Seasons Ln, Buda St, Ruby St$894
Scribner Ave, Belfor Rd, Buttonball Trl, Fulmar Ln, Penny Ln, Three Seasons Ct, Admiral Ln, Senga Rd, Gillies Ln, Rocky Point Rd$937
Thistle Rd, Partrick Ave, Bissell Rd, Blue Mountain Rdg, Toilsome Ave, Silvermine Ridge, Felix Ln, Pine Hill Ave, Sunlit Dr, Pink Cloud Ct$934
Cove Ave, Aiken St, Springview Ave, Jean Ave, Nash Pl, Sycamore St, Belden Ave, Gregory Ct, Dr Martin Luther King Jr Dr, Technololgy Plz$971
Norton Pl, W Cedar St, Dixie Ln, Walter Ave, Windward Rd, Esquire Rd, Maplewood Ter, Hadik Pkwy, Pine Point Ter, Swale Rd$879

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,018 Homes (18% of total) built between 1950 to 1959 in Norwalk are paying home insurance between $1,730-$1,744 compared to Darien (+$348), Stamford (+$59), Southport (+$146), Wilton Center (-$15) and Scotts Corners(NY) (-$352).
  • Bedrooms: 10,592 2 bedrooms homes (27% of total homes ) in Norwalk are paying about $414. Areas near to Norwalk such as Darien, Stamford, Southport are costlier by $73, $5, $26 respectively whereas Wilton Center and Scotts Corners(NY) are more economical by $3, $150 respectively for similar homes.
  • Auto Insurance Bundling: 4,521 Households (18% of all households) in Norwalk have 3 or more vehicles available and when it is bundled with home insurance you can save $230. Discounts for similar bundling in close by locations such as Darien, Westport, New Canaan come to $276, $276, $276 respectively.
  • Senior Discounts: 11,204 seniors (more than 55 years) occupied housing units (47% of total) in Norwalk get discounts between $137 to $140. The comparative concessions in proximate regions such as Darien, Wilton Center and Stamford are $165, $136 and $142 respectively.
  • New Homes discounts: New homes such as the 11,098 homes built between 2000 to 2009 in Norwalk can save $184 and differs from Darien ($221), Westport ($221), New Canaan ($221).

Norwalk Homeowners insurance Facts

  • Norwalk, CT has 23,813 owner occupied houses which is 64.9% of all units whereas Darien, Westport and New Canaan have 88.52%, 86.19% and 81.02% respectively.
  • Norwalk, CT homeowners yearly insurance price at $920 is 0.21% of the typical house value of $440,700 which is in contrast with 0.11% in Darien, 0.11% at Westport & 0.11% in New Canaan.
  • Homeowners in Norwalk, CT pay 1.67% of their income ($50,000 to $59,999) in insurance whereas homeowners in Darien, Westport and New Canaan pay 2.01%, 2.01% and 2.01% respectively.
  • Norwalk, CT’s insurance is 2.7% of monthly housing costs of $2,797/month, for owners with a mortgage compared to 2.3% in Darien, 2.3% at Westport & 2.3% in New Canaan. But, for households without a mortgage, insurance is 7.8% of costs ($978 in Norwalk, CT) in contrast with 9.2% in Darien, 9.2% at Westport & 9.2% in New Canaan.

Norwalk, CT Home Values & Insurance rates

For example, insurance for 1,581 Homes (15.0% of total homes ) valued between $250,000 to $299,999 in Norwalk, CT is about $570. Rates in nearby areas in such as Darien, Westport, New Canaan are cheaper by $272, $272, $272 respectively while Wilton Center and Bridgeport are costlier by $31 and $551 respectively for similar homes.

Norwalk, CT Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 270 2.0% $46
$70,000 to $79,999 100 1.0% $156
$100,000 to $124,999 281 2.0% $220
$125,000 to $149,999 204 2.0% $285
$150,000 to $174,999 262 2.0% $331
$175,000 to $199,999 477 4.0% $386
$200,000 to $249,999 1,110 11.0% $469
$250,000 to $299,999 1,581 15.0% $570
$300,000 to $399,999 5,481 55.0% $726

Renters Insurance in Norwalk

  • Average Renters Insurance in Norwalk :  $46($3/month)

  • Median Gross Rent in Norwalk :  $1,300

  • Norwalk Renters Insurance to Median Rent Ratio:  0.23%

  • Average household size of renter-occupied unit :  1.99

Norwalk Renters Insurance as a Percentage of Rent

Norwalk Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 272 2.0% $311
$200 to $299 373 2.0% $761
$300 to $499 557 4.0% $1211
$500 to $749 933 7.0% $1886
$750 to $999 1,468 11.0% $2636
$1,000 to $1,499 4,754 37.0% $3761
$1,500 or more 4,364 34.0% $5411

Rent Affordability in Norwalk:

Approximately 45.0% (5,845) of households are spending more than 35% of their income on gross rent in Norwalk

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,208 9.0%
15.0 to 19.9 percent 1,825 14.0%
20.0 to 24.9 percent 1,752 13.0%
25.0 to 29.9 percent 1,392 10.0%
30.0 to 34.9 percent 882 6.0%
35.0 percent or more 5,845 45.0%

Norwalk Renters Insurance Discounts:

Norwalk Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Norwalk, CT Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 6,580 50.0% $4.6
2 vehicles available 2,963 22.0% $6.9
3 or more vehicles available 762 5.0% $9.2

Protective device discount in Norwalk Up to :  $6

Claims-free discount in Norwalk Up to :  $9