Derby, CT homeowners insurance is about $721 to $982, about $60-$81/month. Our comprehensive guide shows customers can save as much as $340 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near Derby, CT | Homeowners Insurance Agency Near Derby, CT | Address |
|---|---|---|
| State Farm | Fran Kasprzak | 104 Woodbury Rd, Hicksville, NY, 11801-3006 |
| Allstate | Joseph Aldo | 601 Boston Post Rd, Milford, CT, 6460 |
| Travelers | Obrien Insurance Agency Llc | 108 Kent Rd, NEW MILFORD, CT, 6776 |
| Allstate | Salvatore Carollo | 15 S Route 303, Congers, NY, 10920 |
| Travelers | Unfcu Financial Services Llc | 62 S OCEAN AVE, PATCHOGUE, NY, 11772 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Ansonia city, Connecticut | $128 | $171 | $257 |
| Shelton city, Connecticut | $134 | $178 | $267 |
| Seymour town, New Haven County, Connecticut | $130 | $173 | $260 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Derby, CT | 3.7% | 8.8% |
| Ansonia | 3.42% | 9.6% |
| Shelton | 3.14% | 8.68% |
| Seymour | 3.53% | 9.11% |
| Derby Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $200 to $299 | 39 | 1.0% | $791 |
| $300 to $499 | 67 | 3.0% | $1241 |
| $500 to $749 | 169 | 8.0% | $1916 |
| $750 to $999 | 553 | 26.0% | $2666 |
| $1,000 to $1,499 | 1,003 | 48.0% | $3791 |
| $1,500 or more | 225 | 10.0% | $5441 |
| Streets in Derby Area | Homeowners Insurance Cost |
|---|---|
| Lilac Cir, Pershing Dr, Caldwell Dr, Valley View Ave, S Division St, Minerva St, Woodycrest St, Belleview Dr, E Bassett Ln, B St | $848 |
| Lombardi Dr, A St, Albert Ave, Sodom Ln, Krakow St, Indian Ave, Garfield Ave, Hawthorne Ave, Talmadge St, Selma Ave | $850 |
| Nutmeg Ave, Turner Ave, Derby Neck Rd, Cullens Hill Rd, Dirienzo Hts, Old New Haven Ave, Lombardi Ln, Sherwood Ave, Monaco Cir, Marshall Ln | $848 |
| Anson St, Pinnacle Ridge, McKinley Ave, Evelyn Rd, Torrance Ave, George Ave, Mason St, Clearveiw Ct, McLaughlin Ter, Pleasant View Rd | $846 |
| Thompson Pl, Brookside West Ct, David Humphrey Rd, Camptown St, Factory St, F St, W 9th St, Osullivan Rd, Emmett Ave, Harold Ave | $853 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Derby | $127 to $130 |
| Ansonia | $128 |
| Shelton | $134 |
| Seymour | $129 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,000 | $3,000 |
| Yearly Derby Homeowner Insurance Premium Example | $2,100 | $1,700 |
| Out of Pocket Expense During Claim | $1,000 | $3,000 |
| Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim | $17,800 | $16,600 |
| Net Savings to Derby Home Owner from High Deductible Plan | $1,200 | |
| Scenario | Derby, CT Home Replacement Value MORE than Home Value | Derby, CT Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $276,500 | $186,000 |
| Insurance Premium based on Replacement Value | $2,600 | $1,750 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $46,500 | Risk Exposure from Under Insuring Coverage is $44,000 |
| Premium Impact | Insurance cheaper by $425/year | Insurance costlier by $425/year |
| Insurance Company | State Farm | Allstate | GEICO Insurance |
| Monthly Premium | 136 | 189 | 153 |
| Year Built | 1967 | 1946 | 1985 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 2 Baths | 4 Beds, 2 Baths |
| Coverage Amount | $200000-$250000 | $200000-$250000 | $300000-$350000 |
| Deductible | $1000-$2500 Deductible | $1000-$2500 Deductible | $2500-$5000 Deductible |