Waterbury Insurance Rates:

Waterbury, CT home insurance is roughly $703 to $951, about $58-$79/month. Our in depth guide shows customers can save upto $330 by comparing many quotes

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Waterbury Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Hartford Insurance Group
Home Insurance Rate of $540/8 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $95,000

2 Beds, 2 Bath 1190 sqft Primary Residence Constructed In 1975 with Linoleum, Metal Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Deadbolt Locks, Fire Extinguisher, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

26 Years old Single 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

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $220/4 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $105,000

2 Beds, 2 Bath 1140 sqft Rental Property Constructed In 1968 with Carpet Flooring, Wood Shake Roof, Slab Foundation, Stone Siding, Brick Frame. Home Features Include Deadbolt Locks, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

Additional Details :
  • 75-100% Mortgage Paid off

  • Up to 499 Credit Score

Home Insurance Rate of $3440/9 months for $400000-$500000 Coverage
Policy Holder Home Details :

Home Value : $350,000

4 Beds, 4 Bath 3220 sqft Vacation Property Constructed In 1977 with Ceramic Tile Flooring, Composition Roof, Chainwall Foundation, Stone Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Central Air Conditioning, Indoor Sprinklers, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

67 Years old Divorced Female who is Unemployed with household income of less than $25,000 and has 1 Pet and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 600-649 Credit Score

Home Insurance Rate of $1220/9 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $215,000

4 Beds, 4 Baths 2030 sqft Seasonal Residence Constructed In 1940 with Stone Flooring, Wood Shake Roof, Piers Foundation, Wood siding, Metal Frame Construction. Home Features Include Swimming Pool, Central Air Conditioning, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

47 Years old Single Male who has a Full Time Job with household income of $50-$75,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 500-549 Credit Score

Home Insurance Rate of $730/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $160,000

3 Beds, 3 Bath 1900 sqft Vacation Property Constructed In 1971 with Ceramic Tile Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Vinyl siding, Brick Frame. Home Features Include Fire Extinguisher, Deadbolt Locks, Fireplace, Swimming Pool, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 1 Pet and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $820/6 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $115,000

2 Beds, 2 Bath 1170 sqft Vacation Property Constructed In 1949 with Carpet Flooring, Metal Roof, Crawl Space Foundation, Fiber-Cement Siding, Wood Frame. Home Features Include Central Air Conditioning, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

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

Additional Details :
  • 50-75% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $740/8 months for $75,000-$100,000 Coverage
Policy Holder Home Details :

Home Value : $105,000

2 Beds, 2 Bath 1231 sqft Primary Residence Constructed In 1977 with Carpet over wood flooring, Tile Roof, Chainwall Foundation, Wood siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, Fire Extinguisher, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

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

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

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Waterbury Rates & Quotes Analysis:

Waterbury Area Estimated House Insurance
Dallas Ave, Quarry Hill Rd, Merry St, Hidden Pond Dr, Sagamore Ave, Proctor St, Grilleytown Rd, Monterey St, Twining Ave, Sunnybrook Bend$825
Craftwood Rd, Regency Hill, Garden Hill Cir, S Oak St, Howard St, Alder St, Wayridge Cir, W Liberty St, Sharon Rd, Fairway Ln$815
Crosswinds Ln, Elise Dr, Boland Dr, Stowe Rd, Houston St, Malmalick Ave, Seymour St, Pullen Ave, Mapleridge Dr, Santa Maria Dr$828
Sandland Pl, Nina Ct, Barrington Ln, Rumford St, Maynard Ave, Bagley Ter, Rosemount Ave, N Leonard St, Parkland Ave, Denver Pl$813
Cronin Dr, Seymour St, Donald Ter, Junior St, Bonnie Ln, Yeaton St, Ridgeland Dr, Madison St, Alpine Ave, Lakewood Rd$826
Delhurst Dr, Columbia Blvd, Fairfield Ave, Rockhurst Dr, Blake St, Saddle Rock Rd, Laval St, Over St, Wesley St, Ives St$833
Mill Plain Ave, W Grove St, Valley View Dr, Brendan St, Essex Ave, Randall Pl, Golden Hill St, Hotchkiss St, Cables Ave, Wooster Ave$827
Truman Ave, Acra Rd, Dracut St, Campfield Rd, Pineridge Rd, Wayland Ave, Hereford Ave, Marion Ave, Chase Pkwy, Grove Ct$844
Willowledge Cir, Eastfield Rd, Southmayd Rd, Field St, Wigwam Ave, Chipman St, Harpers Ferry Rd, Roseland Ave, Arnold St, Reidville Dr$825
Clearview St, Brewery St, Sharon Rd, Tompkins St, Westport Dr, E Farm St, Brigham St, Holmes Ave, Simsbury St, Ferro Rd$820

Insurance rates are influenced by a number of factors including:

  • Year Built: 15,004 Homes (31% of total) built between 1939 or earlier in Waterbury are paying home insurance between $1,767-$1,780 and varies from Oakville (+$51), Wolcott (+$66), Naugatuck (+$39), Putnam Lake(NY) (-$428) and Dover(NY) (-$447).
  • Bedrooms: 16,609 3 bedrooms homes (35% of total homes ) in Waterbury are paying about $471 in contrast with Oakville (+$14), Wolcott (+$18), Naugatuck (+$11), Putnam Lake(NY) (-$176) and Dover(NY) (-$181).
  • Auto Insurance Bundling: 4,543 Households (21% of all households) in Waterbury have 3 or more vehicles available and when it is bundled with home insurance you can save $206 and varies from Oakville ($212), Wolcott ($214), Naugatuck ($211).
  • Senior Discounts: 9,403 seniors (more than 55 years) occupied housing units (45% of total) in Waterbury get discounts between $123 to $126 and varies from Oakville ($127), Wolcott ($128), Naugatuck ($126).
  • New Homes discounts: New homes such as the 11,052 homes built between 2000 to 2009 in Waterbury can save $165 in contrast with Oakville ($170), Wolcott ($171), Naugatuck ($169).

Waterbury Homeowners insurance Facts

  • Waterbury, CT has 20,768 owner occupied houses which is 49.2% of all units whereas Oakville, Wolcott and Naugatuck have 74.43%, 88.23% and 68.74% respectively.
  • Waterbury, CT homeowners yearly insurance price at $826 is 0.52% of the typical house value of $158,300 which is in contrast with 0.37% in Oakville, 0.34% at Wolcott & 0.4% in Naugatuck.
  • Homeowners in Waterbury, CT pay 3.67% of their income ($20,000 to $24,999) in insurance whereas homeowners in Oakville, Wolcott and Naugatuck pay 3.78%, 3.81% and 3.76% respectively.
  • Waterbury, CT’s insurance is 4.1% of monthly housing costs of $1,680/month, for owners with a mortgage compared to 3.71% in Oakville, 3.7% at Wolcott & 3.84% in Naugatuck. But, for households without a mortgage, insurance is 8.9% of costs ($778 in Waterbury, CT) in contrast with 11.28% in Oakville, 9.78% at Wolcott & 8.87% in Naugatuck.

Waterbury, CT Home Values & Insurance rates

For example, insurance for 1,320 Homes (6.0% of total homes ) valued between $250,000 to $299,999 in Waterbury, CT is about $1,437.

Waterbury, CT Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 636 3.0% $123
$50,000 to $59,999 215 1.0% $272
$60,000 to $69,999 370 1.0% $338
$70,000 to $79,999 382 1.0% $388
$80,000 to $89,999 613 3.0% $437
$90,000 to $99,999 597 2.0% $495
$100,000 to $124,999 3,077 15.0% $569
$125,000 to $149,999 3,299 16.0% $710
$150,000 to $174,999 3,582 17.0% $842
$175,000 to $199,999 2,426 11.0% $974
$200,000 to $249,999 3,115 15.0% $1172
$250,000 to $299,999 1,320 6.0% $1437
$300,000 to $399,999 638 3.0% $1825

Renters Insurance in Waterbury

  • Average Renters Insurance in Waterbury :  $211($17/month)

  • Median Gross Rent in Waterbury :  $883

  • Waterbury Renters Insurance to Median Rent Ratio:  1.93%

  • Average household size of renter-occupied unit :  2.45

Waterbury Renters Insurance as a Percentage of Rent

Waterbury Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 907 4.0% $352
$200 to $299 882 4.0% $802
$300 to $499 1,269 6.0% $1252
$500 to $749 3,914 19.0% $1927
$750 to $999 6,618 32.0% $2677
$1,000 to $1,499 6,090 29.0% $3802
$1,500 or more 903 4.0% $5452

Protective device discount in Waterbury Up to :  $31

Claims-free discount in Waterbury Up to :  $42