Durham Insurance Rates:

Durham, CT homeowners insurance is about $754 to $1,027, about $62-$85/month. Our in depth analysis indicates shoppers can save upto $356 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Durham, CT Homeowners Insurance By Home Value

Durham, CT Home Value Total Homes % of Total Average Durham, CT Homeowners Insurance
$100,000 to $124,999 52 3.0% $275
$150,000 to $174,999 36 2.0% $409
$175,000 to $199,999 27 1.0% $471
$200,000 to $249,999 320 18.0% $569
$250,000 to $299,999 269 15.0% $694
$300,000 to $399,999 948 56.0% $881

Top Home Insurance Agents Near Durham, CT

Home Insurance Company Near Durham, CT Homeowners Insurance Agency Near Durham, CT Address
NA New England Financial Services Insurance Agency, Inc. 934 North Main Street , Danielson, CT, 6239
NA Ferguson & Mcguire 830 Tpke. , Berlin, CT, 6037
Nationwide Andrew David Stephens 48 State St, Guilford, CT, 06437-2707
Allstate Gary A. Duran 53 New Britain Ave, Rocky Hill, CT, 6067
Travelers J Raymond Lussier Insurance Agency Inc 181 Park Ave, Ste 8 , West Springfield, MA, 1089

Cost Of Homeowners Insurance By Street Near Durham, CT

Streets in Durham Area Homeowners Insurance Cost
Commerce Cir, Madison Rd, Skeetfield Point Rd, Winsome Rd, Wallingford Rd, Parson Ln, Clementel Dr, Buckboard Rd, Saw Mill Rd, Pine Ledge Trl$891
Christian's Xing, Clark Rd, Ironwood Ln, Howd Rd, Thody Dr, Pent Rd, Banta Ln, Stephen Woods Ln, Reeds Gap Rd, Anderson Ln$890
Brookfield Rd, Tuttle Rd, Canterbury Dr, Lexington Pl, Anna Ter, Cheyenne Trl, Middlefield Rd, Cedar Dr, New Haven Rd, Wildwood Ln$893
Dinatale, Old Washington Trl, Catherine Dr, Clearidge Rd, Erica Ct, Wildwood Cir, Meadow Ln, Brittany Dr, Arbutus St, Pikepole Rd$891
Etzel Dr, Howard Rd, Coe Rd, State Hwy 68, Tri Mountain Rd, Winterberry Ln, Johns Way, Pisgah Rd, Stonebridge Dr, James Rd$891

Durham, CT Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Durham$133 to $136
Middlefield$130
Middletown$127
Wallingford$129

Durham, 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
Middlefield town, Middlesex County, Connecticut $109 $145 $218
Middletown city, Connecticut $107 $142 $213
Wallingford town, New Haven County, Connecticut $108 $144 $216

Durham, 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
Durham, CT2.8%8.3%
Middlefield3.33%9.08%
Middletown3.63%9.14%
Wallingford3.65%10.24%

Durham Renters Insurance as a Percentage of Rent

Durham Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 19 13.0% $774
$750 to $999 14 9.0% $2649
$1,000 to $1,499 23 15.0% $3774
$1,500 or more 90 61.0% $5424

Durham, CT Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,700$5,700
Yearly Durham Homeowner Insurance Premium Example $2,800$1,800
Out of Pocket Expense During Claim$1,700$5,700
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $15,700$14,700
Net Savings to Durham Home Owner from High Deductible Plan $1,000

Durham, CT Home Insurance Costs With Home Replacement Value Scenarios

Scenario Durham, CT Home Replacement Value MORE than Home Value Durham, CT Home Replacement Value LESS than Home Value
Replacement Value $421,000 $309,000
Insurance Premium based on Replacement Value $3,825 $2,800
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $42,000 Risk Exposure from Under Insuring Coverage is $70,000
Premium Impact Insurance cheaper by $625/year Insurance costlier by $400/year

Example Durham Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceAllstateState Farm
Monthly Premium 207341296
Year Built 194520011966
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $300000-$350000$400000-$500000$600000-$700000
Deductible $1000-$2500 Deductible$500 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2002 430,000 Wood Shake Roof 2,190 3 $500 Deductible 1930 7 Wood siding No
1989 320,000 Membrane Roof 1,940 3 > $10,000 Deductible 430 4 Brick siding No
1947 840,000 Composition Roof 4,450 5 $500- $1000 Deductible 680 1 Brick siding yes
1963 530,000 Membrane Roof 3,340 4 $500 Deductible 3230 7 Stucco siding No
2012 330,000 Tile Roof 1,900 3 $2500-$5000 Deductible 1030 6 Brick siding yes
2013 510,000 Composition Roof 3,160 4 $1000-$2500 Deductible 3530 10 Fiber-Cement Siding yes
2012 390,000 Composition Roof 1,880 5 $500- $1000 Deductible 1130 4 Brick siding No
1947 330,000 Membrane Roof 1,710 5 > $10,000 Deductible 1270 10 Fiber-Cement Siding yes
1942 885,000 Membrane Roof 4,540 5 $500 Deductible 4510 6 Wood siding No
1988 385,000 Wood Shake Roof 2,330 5 $500- $1000 Deductible 1370 4 Wood siding No
1994 480,000 Asphalt Shingles Roof 2,290 3 $2500-$5000 Deductible 1620 6 Wood siding No
2009 405,000 Metal Roof 2,040 5 $2500-$5000 Deductible 1900 9 Fiber-Cement Siding No
2014 500,000 Tile Roof 2,790 4 $1000-$2500 Deductible 1330 4 Wood siding yes
2010 265,000 Shingles Roof 1,480 3 $5000 to $10,000 Deductible 1190 6 Stone Siding No
1944 445,000 Slate Shingles Roof 2,220 3 $500 Deductible 1210 4 Fiber-Cement Siding yes
1999 525,000 Asphalt Shingles Roof 3,280 4 $500- $1000 Deductible 3340 9 Vinyl siding yes
2004 500,000 Wood Shake Roof 2,800 5 $500- $1000 Deductible 1710 5 Wood siding No
1993 430,000 Wood Shake Roof 2,800 4 $5000 to $10,000 Deductible 470 3 Stone Siding No
1947 365,000 Slate Shingles Roof 2,350 5 > $10,000 Deductible 540 3 Vinyl siding No
1946 345,000 Tile Roof 1,890 4 > $10,000 Deductible 690 4 Wood siding yes
2006 440,000 Slate Shingles Roof 2,880 5 $500- $1000 Deductible 3090 10 Stone Siding yes
1947 610,000 Shingles Roof 4,190 5 $2500-$5000 Deductible 2650 6 Stone Siding No
2004 775,000 Tile Roof 4,490 5 $1000-$2500 Deductible 5980 12 Brick siding No
1966 280,000 Slate Shingles Roof 1,740 4 $1000-$2500 Deductible 190 1 Stone Siding No
2003 245,000 Slate Shingles Roof 1,350 3 $5000 to $10,000 Deductible 1060 8 Vinyl siding yes
2009 240,000 Composition Roof 1,230 3 > $10,000 Deductible 910 9 Wood siding yes
2000 485,000 Slate Shingles Roof 2,530 5 > $10,000 Deductible 1880 12 Stucco siding yes
1987 420,000 Composition Roof 2,840 4 $5000 to $10,000 Deductible 400 2 Vinyl siding No
1991 385,000 Metal Roof 2,080 3 $2500-$5000 Deductible 3490 12 Fiber-Cement Siding yes
1986 685,000 Metal Roof 3,520 5 $1000-$2500 Deductible 5010 9 Wood siding No