Berlin Insurance Rates:

Berlin, CT homeowners insurance is nearly $740 to $1,005, about $61-$83/month. Our thorough research shows customers can save upto $349 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Westfield Insurance
Need to be very patient if the local agent doesn't have the time or out of reach when we need for urgent.
Farmer's Insurance
I like that farmers has a very good rate when it comes to their insurance. their insurance is very affordable.
American Modern Insurance
We haven't had any problems since we sign up with american modern. no fishy business or small letter weird clauses.
Liberty Mutual
Very good customer service, I know I can call my agent at any time if there's any questions or concerns I have regarding my coverage or what's covered inside my home as well and their website is user-friendly
State Farm
The website is nicely laid out, if not completely confusing. I feel like there are services that could be offered on it that are not.
Nationwide
The two times i've needed to contact them the wait for fairly short for such a large company. The representatives seemed knowledgeable and they were friendly.
Liberty Mutual
I really don't know the difference. This seemed like a good option.
Progressive
They are very friendly, have easy to use website and are quick to update new information. They remind you when things are ready to be changed or printed.

Berlin, CT Homeowners Insurance By Home Value

Berlin, CT Home Value Total Homes % of Total Average Berlin, CT Homeowners Insurance
Less than $50,000 151 2.0% $69
$100,000 to $124,999 62 1.0% $323
$125,000 to $149,999 66 1.0% $401
$150,000 to $174,999 204 3.0% $471
$175,000 to $199,999 215 4.0% $549
$200,000 to $249,999 1,056 20.0% $654
$250,000 to $299,999 1,637 31.0% $803
$300,000 to $399,999 1,770 34.0% $1021

Top Home Insurance Agents Near Berlin, CT

Home Insurance Company Near Berlin, CT Homeowners Insurance Agency Near Berlin, CT Address
NA Gowrie Barden & Brett, Inc. 70 Essex Road , Westbrook, CT, 6498
NA Eastern Insurance Group Llc 54 Main St, Sturbridge, MA, 1566
Travelers Agency Insurance Network Llc 2736 MAIN ST, ROCKY HILL, CT, 6067
Travelers Gaudreau Group Inc 2377 BOSTON RD, WILBRAHAM, MA, 1095
Travelers K L Smith Agency Llc 1486 W MAIN ST, WILLIMANTIC, CT, 6226

Cost Of Homeowners Insurance By Street Near Berlin, CT

Streets in Berlin Area Homeowners Insurance Cost
State Hwy 364, Overhill Ct, Garden Dr, Warner Rd, Cypress Cir, Blue Ridge Ln, Lori Ann Ln, Murla Rd, Valentine Dr, Tree Hill Rd$899
Berldale Ave, Bayberry Cir, Honeysuckle Ct, Grandview Ave, Vineyard Rd, Una Rd, Highview Ter, Apple Tree Xing, Elton Rd, Magnolia Ln$898
Arbor Ln, Seymour Rd, Misty Mountain Rd, Burgundy Dr, Old Brickyard Ln, State Hwy 71 Alt, Cross Creek Dr, Park Dr, Grove Hill St, Robbins Rd$871
Highland Ave, Knollwood Ct, Lamplight Dr, Sorrel Ln, Red Barn Ct, Kenmere Rd, Conlin Way, Summit Wood Dr, Four Rod Rd, Dayl Dr$861
Oak Ridge Dr, Haman Ct, Mattabassett St, Wilbur Cross Hwy, Vineyard Dr, Toll Gate Rd, New Park Dr, Glen St, Parrish Dr, Langdon Ct$894

Berlin, CT Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Berlin$130 to $133
Kensington$129
Meriden$126
New Britain$124

Berlin, CT Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Kensington CDP, Connecticut $108 $144 $216
Meriden city, Connecticut $105 $140 $210
New Britain city, Connecticut $104 $138 $207

Berlin, CT Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Berlin, CT3.4%9.6%
Kensington3.63%10.07%
Meriden3.93%9.36%
New Britain4.14%9.78%

Berlin Renters Insurance as a Percentage of Rent

Berlin Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 31 3.0% $782
$300 to $499 48 5.0% $1232
$500 to $749 50 5.0% $1907
$750 to $999 278 32.0% $2657
$1,000 to $1,499 393 45.0% $3782
$1,500 or more 57 6.0% $5432

Berlin, CT Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$8,700
Yearly Berlin Homeowner Insurance Premium Example $3,200$2,200
Out of Pocket Expense During Claim$1,700$8,700
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $27,300$26,300
Net Savings to Berlin Home Owner from High Deductible Plan $1,000

Berlin, CT Home Insurance Costs With Home Replacement Value Scenarios

Scenario Berlin, CT Home Replacement Value MORE than Home Value Berlin, CT Home Replacement Value LESS than Home Value
Replacement Value $320,500 $238,000
Insurance Premium based on Replacement Value $3,225 $2,400
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $45,500 Risk Exposure from Under Insuring Coverage is $37,000
Premium Impact Insurance cheaper by $350/year Insurance costlier by $475/year

Example Berlin Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateAmica Mutual Insurance CompanyLiberty Mutual
Monthly Premium 96258150
Year Built 200719751999
Home Details 3 Beds, 2 Baths4 Beds, 1 Baths5 Beds, 1 Baths
Coverage Amount $125000-$150000$400000-$500000$300000-$350000
Deductible $500 Deductible$1000-$2500 Deductible$5000 to $10,000 Deductible

Sample Home Insurance Rates for Berlin, CT from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2014 820,000 Asphalt Shingles Roof 4,460 5 $500- $1000 Deductible 3080 5 Vinyl siding No
2003 485,000 Membrane Roof 2,860 5 > $10,000 Deductible 3440 12 Stucco siding No
2013 340,000 Metal Roof 2,350 3 $500 Deductible 1880 8 Stone Siding yes
1986 305,000 Membrane Roof 1,970 4 $5000 to $10,000 Deductible 320 2 Wood siding No
2013 330,000 Wood Shake Roof 2,280 3 $2500-$5000 Deductible 670 4 Fiber-Cement Siding yes
1983 430,000 Asphalt Shingles Roof 2,920 4 $1000-$2500 Deductible 510 2 Stucco siding No
1988 275,000 Slate Shingles Roof 1,740 3 $500- $1000 Deductible 820 4 Stone Siding No
1997 380,000 Tile Roof 2,560 5 > $10,000 Deductible 2450 12 Stucco siding yes
1977 255,000 Wood Shake Roof 1,800 4 > $10,000 Deductible 990 10 Fiber-Cement Siding No
1965 640,000 Wood Shake Roof 3,950 5 $5000 to $10,000 Deductible 360 1 Stone Siding yes
1980 610,000 Wood Shake Roof 4,610 5 $5000 to $10,000 Deductible 3430 12 Vinyl siding yes
1942 560,000 Tile Roof 3,720 5 > $10,000 Deductible 2970 10 Wood siding No
1975 800,000 Composition Roof 4,980 5 $1000-$2500 Deductible 1450 3 Brick siding yes
1982 225,000 Composition Roof 1,780 3 $5000 to $10,000 Deductible 340 3 Wood siding No
1945 260,000 Slate Shingles Roof 1,950 5 $1000-$2500 Deductible 1410 8 Fiber-Cement Siding yes
1944 415,000 Composition Roof 2,290 5 $1000-$2500 Deductible 500 2 Fiber-Cement Siding No
2012 550,000 Shingles Roof 3,650 5 $2500-$5000 Deductible 3580 8 Stone Siding yes
1942 385,000 Composition Roof 2,440 5 $500- $1000 Deductible 2550 10 Stone Siding No
1986 280,000 Composition Roof 1,880 3 $2500-$5000 Deductible 210 1 Vinyl siding No
1964 830,000 Tile Roof 4,550 5 $5000 to $10,000 Deductible 2080 5 Vinyl siding yes
1965 605,000 Slate Shingles Roof 3,410 5 $500- $1000 Deductible 620 1 Wood siding yes
2013 375,000 Tile Roof 2,050 4 $5000 to $10,000 Deductible 1760 12 Stucco siding yes
1963 610,000 Shingles Roof 4,300 5 $2500-$5000 Deductible 2040 7 Vinyl siding yes
1993 335,000 Membrane Roof 2,650 4 $2500-$5000 Deductible 230 1 Wood siding No
1970 260,000 Asphalt Shingles Roof 1,560 3 $500 Deductible 860 4 Vinyl siding No
2010 475,000 Composition Roof 3,310 4 > $10,000 Deductible 310 2 Wood siding No
1977 290,000 Metal Roof 2,120 4 $2500-$5000 Deductible 1190 8 Stucco siding No
2005 490,000 Metal Roof 2,760 5 $5000 to $10,000 Deductible 2940 10 Brick siding No
1972 455,000 Shingles Roof 2,480 5 $1000-$2500 Deductible 2570 9 Stucco siding yes
1983 240,000 Slate Shingles Roof 1,370 3 $1000-$2500 Deductible 430 3 Fiber-Cement Siding No
1942 530,000 Shingles Roof 3,330 4 $1000-$2500 Deductible 2370 7 Fiber-Cement Siding yes
1962 520,000 Composition Roof 3,030 4 $2500-$5000 Deductible 640 2 Stone Siding yes
1967 205,000 Slate Shingles Roof 1,330 3 > $10,000 Deductible 640 6 Stucco siding yes
1990 285,000 Metal Roof 2,110 4 $500- $1000 Deductible 1230 7 Fiber-Cement Siding No