Stamford Insurance Rates:

Stamford, CT home insurance is about $806 to $1,098, about $67-$91/month. Our comprehensive guide indicates shoppers can save upto $380 by getting different quotes

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Read Stamford, Connecticut Homeowners Insurance reviews & compare quotes to find the most reliable & cheapest quotes.

Stamford Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $3990/7 months for $700000-$800000 Coverage
Policy Holder Home Details :

Home Value : $950,000

5 Beds, 5 Baths 3460 sqft Vacation Property Constructed In 1992 with Wood Flooring, Metal Roof, Piers Foundation, Stone Siding, Wood Frame. Home Features Include Smoke Alarm, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

28 Years old Married Female who is a Freelancer with household income of $75-$100,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

  • Guests at home

Home Insurance Rate of $1480/4 months for $900000-$1000000 Coverage
Policy Holder Home Details :

Home Value : $975,000

5 Beds, 5 Baths 3970 sqft Rental Property Constructed In 1995 with Stone Flooring, Slate Shingles Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Smoke Alarm, Fireplace, Indoor Sprinklers, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

44 Years old Single Female who is Unemployed and has 2 Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1220/5 months for $350000-$400000 Coverage
Policy Holder Home Details :

Home Value : $480,000

2 Beds, 2 Bath 1650 sqft Vacation Property Constructed In 1963 with Ceramic Tile Flooring, Shingles Roof, Piers Foundation, Stone Siding, Stucco Construction. Home Features Include Smoke Alarm, Fireplace, Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Divorced Male who has a Part Time Job with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $580/2 months for $300000-$350000 Coverage
Policy Holder Home Details :

Home Value : $345,000

3 Beds, 3 Bath 1210 sqft Rental Property Constructed In 1969 with Stone Flooring, Tile Roof, Piers Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Copper Water Pipes, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

56 Years old Married Male who is a Freelancer with household income of $50-$75,000 and has 3 Pets and is a Non-Smoker

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

  • Up to 499 Credit Score

Home Insurance Rate of $1940/6 months for $600000-$700000 Coverage
Policy Holder Home Details :

Home Value : $600,000

3 Beds, 3 Baths 2200 sqft Seasonal Residence Constructed In 1976 with Linoleum, Slate Shingles Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fire Extinguisher, Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Divorced Male who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 550-599 Credit Score

Home Insurance Rate of $600/2 months for $250,000-$300,000 Coverage
Policy Holder Home Details :

Home Value : $295,000

2 Beds, 2 Bath 1300 sqft Primary Residence Constructed In 1934 with Wood Flooring, Membrane Roof, Piers Foundation, Stucco siding, Stucco Construction. Home Features Include Central Air Conditioning, Fireplace, Copper Water Pipes, Smoke Alarm, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 500-549 Credit Score

  • Guests at home

Stamford Rates & Quotes Analysis:

Stamford Area Estimated House Insurance
Richmond Hill Ave, Bartlett Ln, Bedford St, Cady St, Oxford Ct, Crystal St, Woodbury Ave, Newfield Ct, Vine Rd, Riding Stable Trl$937
Selleck St, Deep Spring Ln, Fairgate Dr, Colonial Rd, Hidden Brook Dr, Saddle Hill Rd, Ridgecrest Rd, Ocean Dr W, Madison Pl, Evergreen Ct$903
Big Oak Rd, Dads Ln, Toms Rd, Rolling Wood Dr, Wynover Ln N, Caldwell Ave, Davenport Ridge Rd, McClean Ave, Brook Run Ln, Corbo Ter$968
Wake Robin Ln, Glendale Cir, Ralsey Rd, Mercedes Ln, Cook Rd, Deep Valley Rd, Davenport Farm Ln S, Haviland Dr, Vista St, Ridge Brook Dr$1,049
Settlers Trl, White Birch Ln, Edice Rd, Vassar Ave, Overbrook Dr, Hackett Cir N, Erickson Dr, Havemeyer Ln, Joffre Ct, Belltown Rd$913
Deacon Hill Rd, Revere Dr, Ridgewood Ave, Bonny Glen Rd, W Hill Cir, Meredith Ln, Lawn Ave, Willard Ter, Crane Rd N, Northill St$891
Walter Wheeler Dr, Seaside Ave, Algonquin Ave, General Waterbury Ln, Harborview Ave, Acre View Dr, Pacific St, Wenzel Ter, Dale St, Whittaker St$921
Maltbie Ave, Jessup St, Ursula Pl, Hirsch Rd, Taylor Reed Pl, Woodrow St, Blackwood Ln, Annie Pl, Taconic Rd, Quails Trl$963
Mayapple Rd, Hemlock Dr S, Overhill Rd, Seaton Rd, Cummings Point Rd, Lanark Rd, Holly Cove Cir, River View Dr, Davenport Farm Ln E, Wallace St$886
Quarry Rd, Duke Dr, Canfield Dr, Tower Ave, Goodwin St, Finch St, Skyline Ln, Cedar Cir, Euclid Ave, Stillwater Rd$963

Insurance rates are influenced by a number of factors including:

  • Year Built: 7,621 Homes (15% of total homes ) built between 1980 to 1989 in Stamford are paying home insurance between $1,420-$1,435. Places close to Stamford, CT such as Cos Cob, Darien, Glenville are more expensive by $198, $229, $118 respectively while Norwalk and Scotts Corners(NY) are cheaper by $47 and $327 respectively for similar homes.
  • Bedrooms: 15,275 2 bedrooms homes (32% of total homes ) in Stamford are paying about $419 and differs from Cos Cob (+$69), Darien (+$68), Glenville (+$45), Norwalk (-$5) and Scotts Corners(NY) (-$155).
  • Auto Insurance Bundling: 5,704 Households (22% of all households) in Stamford have 3 or more vehicles available and when it is bundled with home insurance you can save $238 compared to Cos Cob ($271), Darien ($276), Riverside ($276).
  • Senior Discounts: 11,094 seniors (more than 55 years) occupied housing units (44% of total) in Stamford get discounts between $142 to $145. The comparative concessions in proximate regions such as Cos Cob, Darien and Norwalk are $162, $165 and $138 respectively.
  • New Homes discounts: New homes such as the 15,867 homes built between 2000 to 2009 in Stamford can save $190 and similar new home insurance discounts in nearby towns and cities like Cos Cob, Darien and Riverside are $216, $221 and $221 respectively.

Stamford Homeowners insurance Facts

  • Stamford, CT has 25,012 owner occupied houses which is 55.3% of all units whereas Cos Cob, Darien and Riverside have 76.97%, 88.52% and 81.58% respectively.
  • Stamford, CT homeowners yearly insurance price at $952 is 0.18% of the typical house value of $537,300 which is in contrast with 0.12% in Cos Cob, 0.11% at Darien & 0.11% in Riverside.
  • Homeowners in Stamford, CT pay 3.46% of their income ($25,000 to $29,999) in insurance whereas homeowners in Cos Cob, Riverside and Greenwich pay 3.94%, 4.02% and 4.02% respectively.
  • Stamford, CT’s insurance is 2.7% of monthly housing costs of $2,898/month, for owners with a mortgage compared to 2.47% in Cos Cob, 2.3% at Darien & 2.3% in Riverside. But, for households without a mortgage, insurance is 7.9% of costs ($1,001 in Stamford, CT) in contrast with 9.02% in Cos Cob, 9.2% at Darien & 9.2% in Riverside.

Stamford, CT Home Values & Insurance rates

For example, insurance for 149 Homes (1.0% of total homes ) valued between Less than $50,000 in Stamford, CT is about $38. Rates in nearby areas in such as Old Greenwich, Greenwich, New Canaan are cheaper by $16, $16, $16 respectively while Norwalk and Mount Kisco are costlier by $8 and $1 respectively for similar homes.

Stamford, CT Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 149 1.0% $38
$100,000 to $124,999 95 1.0% $190
$125,000 to $149,999 227 2.0% $238
$150,000 to $174,999 263 3.0% $285
$175,000 to $199,999 283 3.0% $323
$200,000 to $249,999 1,320 16.0% $390
$250,000 to $299,999 1,400 17.0% $485
$300,000 to $399,999 3,961 50.0% $618

Renters Insurance in Stamford

  • Median Gross Rent in Stamford :  $1,492

  • Average household size of renter-occupied unit :  2.61

Stamford Renters Insurance as a Percentage of Rent

Stamford Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 246 1.0% $297
$200 to $299 440 2.0% $747
$300 to $499 668 3.0% $1197
$500 to $749 911 4.0% $1872
$750 to $999 1,739 8.0% $2622
$1,000 to $1,499 6,010 30.0% $3747
$1,500 or more 9,782 49.0% $5397

Rent Affordability in Stamford:

Approximately 48.0% (9,855) of households are spending more than 35% of their income on gross rent in Stamford

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,991 9.0%
15.0 to 19.9 percent 1,954 9.0%
20.0 to 24.9 percent 2,359 11.0%
25.0 to 29.9 percent 2,172 10.0%
30.0 to 34.9 percent 1,853 9.0%
35.0 percent or more 9,855 48.0%