East Lyme, CT homeowners insurance is about $747 to $1,017, about $62-$84/month. Our thorough research indicates shoppers can save upto $352 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.
| Home Insurance Company Near East Lyme, CT | Homeowners Insurance Agency Near East Lyme, CT | Address |
|---|---|---|
| Liberty Mutual Independent | Christopher & Regan Ins Inc | 1130 TEN ROD RD STE B202, NORTH KINGSTOWN, RI, 2852 |
| Allstate | Darren Prozzo | 92 East St, Plainville, CT, 6062 |
| Travelers | Garvey Marine Corporation | 15 TRAIL ROAD, HAMPTON BAYS, NY, 11946 |
| Nationwide | Jason Halpert & Associates Llc | 77 Berlin Rd Suite 1B, Cromwell, CT, 6416 |
| State Farm | Tiffany Nguyen | 212 Mill St, Berlin, CT, 06037-2317 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Niantic CDP, Connecticut | $131 | $174 | $261 |
| Waterford town, New London County, Connecticut | $130 | $173 | $260 |
| Old Lyme town, New London County, Connecticut | $137 | $182 | $273 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| East Lyme, CT | 3.5% | 9% |
| Niantic | 4.18% | 8.29% |
| Waterford | 3.65% | 10.16% |
| Old Lyme | 3.38% | 9.2% |
| East Lyme Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| $300 to $499 | 51 | 4.0% | $1228 |
| $500 to $749 | 101 | 9.0% | $1903 |
| $750 to $999 | 168 | 15.0% | $2653 |
| $1,000 to $1,499 | 474 | 42.0% | $3778 |
| $1,500 or more | 293 | 26.0% | $5428 |
| Streets in East Lyme Area | Homeowners Insurance Cost |
|---|---|
| Miranda Way, Blue Heron Rd, Nehantic Dr, Ramble Ave, Whitecap Rd, Laurel Hill Dr, Sessa Ln, Strawberry Ln, N Bride Brook Rd, Ridgewood Rd | $875 |
| Nehantic Trl, Lakeview Dr, Alexander Dr, Society Rd, Marjories Way, Pontiac Dr, Roxbury Rd, N Pine St, Cottage Ln, Beaver Brook Rd | $887 |
| Seebeck Rd, Greentree Dr, Sea Breeze Ave, Lee Rd, Indianola Rd, Sea Crest Ave, Juniper Hill, Windfall Ln, Carpenter Ave, Joan St | $875 |
| Chadwick Pl, Plum Hill Rd, Cedar Ridge Rd, Crystal Spring Dr, Cove Hill Rd, Crossley Ct, Lincoln St, Columbus Ave, Winston Rd, Bayview Rd | $863 |
| Plum Tree Ln, Wayne Dr, Ridge Trl, Arcadia Rd, Clarks Ln, White Birch Cir, Upper Walnut Hill Rd, Louise Dr, Arbor Xing, Upper Pattagansett Rd | $887 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| East Lyme | $131 to $134 |
| Niantic | $130 |
| Old Lyme | $137 |
| Lyme | $142 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $500 | $1,500 |
| Yearly East Lyme Homeowner Insurance Premium Example | $3,800 | $2,800 |
| Out of Pocket Expense During Claim | $500 | $1,500 |
| Total Home Insurance Premium for 2 years + Out of Pocket Expense for Claim | $8,100 | $7,100 |
| Net Savings to East Lyme Home Owner from High Deductible Plan | $1,000 | |
| Scenario | East Lyme, CT Home Replacement Value MORE than Home Value | East Lyme, CT Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $434,500 | $278,500 |
| Insurance Premium based on Replacement Value | $5,075 | $3,250 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $83,500 | Risk Exposure from Under Insuring Coverage is $72,500 |
| Premium Impact | Insurance cheaper by $850/year | Insurance costlier by $975/year |
| Insurance Company | GEICO Insurance | Hartford Insurance Group | Allstate |
| Monthly Premium | 120 | 201 | 583 |
| Year Built | 2005 | 1983 | 1949 |
| Home Details | 3 Beds, 1 Baths | 4 Beds, 2 Baths | 5 Beds, 1 Baths |
| Coverage Amount | $200000-$250000 | $300000-$350000 | $600000-$700000 |
| Deductible | $5000 to $10,000 Deductible | $500- $1000 Deductible | $500- $1000 Deductible |