Essex Insurance Rates:

Essex, CT homeowners insurance is about $765 to $1,059, about $63-$88/month. Our all inclusive guide shows customers can save as much as $364 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Essex, CT Homeowners Insurance By Home Value

Essex, CT Home Value Total Homes % of Total Average Essex, CT Homeowners Insurance
Less than $50,000 16 1.0% $54
$60,000 to $69,999 16 1.0% $136
$90,000 to $99,999 13 1.0% $200
$125,000 to $149,999 12 1.0% $300
$150,000 to $174,999 125 11.0% $355
$175,000 to $199,999 28 2.0% $410
$200,000 to $249,999 186 16.0% $492
$250,000 to $299,999 177 16.0% $601
$300,000 to $399,999 523 47.0% $766

Top Home Insurance Agents Near Essex, CT

Home Insurance Company Near Essex, CT Homeowners Insurance Agency Near Essex, CT Address
NA Everett J O'Connor Insurance Agency, Inc 455 Boston Post Road , Old Saybrook, CT, 6475
Travelers Alton E Woodford Inc 10 N Main St W Hartford, West Hartford, CT, 6107
Travelers Connecticut Ins Exchange Of Southington Llc 1133 MERIDEN WATERBURY TNPKE, PLANTSVILLE, CT, 6479
Travelers Founders Insurance Group Inc 1300 WINSTED RD, TORRINGTON, CT, 6790
Liberty Mutual Stephen Burlingame Lutcf 95 Glastonbury Blvd. Ste 204, Glastonbury, CT, 6033

Cost Of Homeowners Insurance By Street Near Essex, CT

Streets in Essex Area Homeowners Insurance Cost
Riverview St, Beechwood Dr, Cove Hill Rd, Ox Bow Ln, Essex Hills Dr, West Ave, New City St, Truebe Rd, Ferry St, Piney Branch Rd$919
Captains Walk, State Hwy 602, Pratt St, Fordham Rd, Foxboro Rd, Sheagren Hill, Laurel Rd, River Rd Dr, Dennison Ln, Harbor Vw N$923
Carol Dr, Farm Ln, Orchard Heights Rd, Harbor View Dr, W Hills Rd, Kings Ln, Mitchel Ter, Old West St, Bank Ln, Chestnut St$907
Mill Rd, Conklin Ave, S Winds Dr, Terrace Ln, Summitt St, Navy Ln, Earl St Exd, Falls River Dr, Book Hill Rd, Mikes Ter$909
Eagle Ridge Dr, Birch Cir, Gates Rd, W Hills Rd No 2, Comstock Ave, Hilltop Ave, State Hwy 153, Blake St, Melody Ln, Ebony Ln$922

Essex, CT Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Essex$134 to $138
Essex Village$146
Deep River Center$128
Deep River$130

Essex, 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
Essex Village CDP, Connecticut $146 $194 $291
Deep River Center CDP, Connecticut $128 $171 $257
Deep River town, Middlesex County, Connecticut $130 $173 $260

Essex, 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
Essex, CT3.2%9.1%
Essex Village3.07%8.11%
Deep River Center3.71%8.85%
Deep River3.66%9.64%

Essex Renters Insurance as a Percentage of Rent

Essex Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 14 2.0% $315
$500 to $749 16 3.0% $1890
$750 to $999 160 30.0% $2640
$1,000 to $1,499 218 40.0% $3765
$1,500 or more 124 23.0% $5415

Essex, CT Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$7,800
Yearly Essex Homeowner Insurance Premium Example $6,600$5,400
Out of Pocket Expense During Claim$1,800$7,800
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $41,400$40,200
Net Savings to Essex Home Owner from High Deductible Plan $1,200

Essex, CT Home Insurance Costs With Home Replacement Value Scenarios

Scenario Essex, CT Home Replacement Value MORE than Home Value Essex, CT Home Replacement Value LESS than Home Value
Replacement Value $518,000 $352,500
Insurance Premium based on Replacement Value $4,350 $2,950
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $62,000 Risk Exposure from Under Insuring Coverage is $103,500
Premium Impact Insurance cheaper by $875/year Insurance costlier by $525/year

Example Essex Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceTravelersGEICO Insurance
Monthly Premium 318485460
Year Built 199419711941
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $350000-$400000$500000-$600000$700000-$800000
Deductible $500 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1945 435,000 Shingles Roof 2,340 3 $1000-$2500 Deductible 2860 10 Stone Siding yes
1942 560,000 Slate Shingles Roof 3,020 5 $1000-$2500 Deductible 2730 8 Wood siding No
1943 550,000 Metal Roof 3,130 5 $500 Deductible 2930 9 Wood siding No
1945 300,000 Metal Roof 1,660 4 > $10,000 Deductible 550 3 Brick siding No
1971 655,000 Tile Roof 3,010 5 $2500-$5000 Deductible 2630 7 Wood siding yes
1991 370,000 Wood Shake Roof 1,730 5 $500- $1000 Deductible 260 1 Stucco siding yes
1946 480,000 Composition Roof 2,350 4 > $10,000 Deductible 1420 8 Vinyl siding yes
1942 345,000 Wood Shake Roof 1,460 3 $500- $1000 Deductible 1790 8 Stone Siding No
1940 310,000 Membrane Roof 1,870 5 $1000-$2500 Deductible 1280 6 Stucco siding No
1942 780,000 Shingles Roof 3,860 5 $2500-$5000 Deductible 3340 9 Fiber-Cement Siding No
1995 340,000 Tile Roof 1,440 3 $500- $1000 Deductible 3720 12 Stucco siding yes
1978 695,000 Tile Roof 3,230 5 $5000 to $10,000 Deductible 810 2 Wood siding No
1994 720,000 Tile Roof 3,060 5 $1000-$2500 Deductible 1850 4 Stone Siding yes
1976 420,000 Slate Shingles Roof 1,740 3 $2500-$5000 Deductible 1080 4 Stucco siding yes
1995 650,000 Shingles Roof 3,230 4 $500 Deductible 4480 9 Fiber-Cement Siding yes
1974 440,000 Membrane Roof 1,940 4 $1000-$2500 Deductible 3110 9 Fiber-Cement Siding No
1978 540,000 Shingles Roof 3,080 5 $1000-$2500 Deductible 1290 4 Vinyl siding No
1991 445,000 Wood Shake Roof 2,610 5 > $10,000 Deductible 1250 7 Wood siding No
1940 415,000 Metal Roof 1,750 3 $5000 to $10,000 Deductible 1840 9 Wood siding yes
1944 355,000 Metal Roof 1,780 3 $500- $1000 Deductible 960 4 Brick siding yes
1946 675,000 Shingles Roof 2,970 5 > $10,000 Deductible 810 2 Stucco siding No
1949 515,000 Membrane Roof 2,990 5 $500- $1000 Deductible 1300 4 Stone Siding No
1993 410,000 Tile Roof 1,910 3 $500 Deductible 4630 12 Vinyl siding No
1973 1,200,000 Tile Roof 4,980 5 $500 Deductible 2850 3 Vinyl siding No
1994 500,000 Shingles Roof 2,650 5 $500 Deductible 3300 9 Brick siding No
1973 620,000 Slate Shingles Roof 3,120 4 $2500-$5000 Deductible 1130 3 Stucco siding No
1999 1,010,000 Slate Shingles Roof 4,910 5 $500- $1000 Deductible 1970 3 Vinyl siding yes
1996 215,000 Shingles Roof 1,280 3 $2500-$5000 Deductible 730 5 Stone Siding yes
1999 285,000 Metal Roof 1,630 4 $500- $1000 Deductible 1130 5 Fiber-Cement Siding No
1973 570,000 Composition Roof 2,410 4 $500- $1000 Deductible 2610 6 Fiber-Cement Siding yes
1997 320,000 Wood Shake Roof 1,430 3 $1000-$2500 Deductible 1070 5 Wood siding yes
1971 300,000 Wood Shake Roof 1,460 3 $5000 to $10,000 Deductible 1220 9 Wood siding No
1997 355,000 Wood Shake Roof 2,040 4 $500 Deductible 2090 9 Wood siding No
1994 500,000 Shingles Roof 2,210 3 $2500-$5000 Deductible 2560 10 Stucco siding yes