Groton Insurance Rates:

Groton, CT homeowners insurance is roughly $728 to $990, about $60-$82/month. Our exhaustive analysis indicates shoppers can save upto $343 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Progressive
I love the monthly payment is fairly affordable and not too high. i don't feel like i'm breaking the bank in comparison to how much it would've cost me through other companies.
Travelers
I don't know of any local offices in my area for my insurance company.
Prudential
Honestly, with insurance you get what you pay for, so even though prudential has high rates, if you use the offered discounts, take a high deductible, you'll be glad you did, they are worth the extra money.
Allstate
I haven't had to deal with customer service a whole lot, but I did miss a payment a couple times and they gave me an extension without giving me a penalty.
Aaa
The agent is really good and always calls right away if she was unable to take my call. Takes her time on the phone and fully answers all my questions.
Aaa
They are very friendly and kind. They try to be helpful and look for discounts.
Allstate
I like that the company makes things easy for me. I have not had a claim experience with them yet so I cannot speak to that but everything has been very smooth so far and I have no complaints.

Groton, CT Homeowners Insurance By Home Value

Groton, CT Home Value Total Homes % of Total Average Groton, CT Homeowners Insurance
Less than $50,000 270 4.0% $77
$80,000 to $89,999 129 2.0% $283
$90,000 to $99,999 74 1.0% $317
$100,000 to $124,999 255 3.0% $369
$125,000 to $149,999 233 3.0% $455
$150,000 to $174,999 578 9.0% $541
$175,000 to $199,999 688 10.0% $627
$200,000 to $249,999 1,567 24.0% $755
$250,000 to $299,999 1,304 20.0% $919
$300,000 to $399,999 1,217 19.0% $1176

Top Home Insurance Agents Near Groton, CT

Home Insurance Company Near Groton, CT Homeowners Insurance Agency Near Groton, CT Address
NA Louis Panciera, Inc. 48 Main Street, Westerly, RI, 2891
Travelers Bentsen-Combies Ins Inc 631 MAIN ST, EAST GREENWICH, RI, 2818
Travelers J J Fishbein Inc 21 NORTH MAIN ST, WALLINGFORD, CT, 6492
Travelers Penny-Hanley & Howley Co Inc 52 MAIN ST, STAFFORD SPRINGS, CT, 6076
Travelers Sheldon-Hutchinson Ins. Inc. 130 N MAIN ST, WALLINGFORD, CT, 6492

Cost Of Homeowners Insurance By Street Near Groton, CT

Streets in Groton Area Homeowners Insurance Cost
Edgecomb St, Essex St, Russell St, Harbor Ct, Gravel St, Red Oak Rd, Tom St, Potter St, State Hwy 349, Mirra Dr$897
Erie Ln, Warner St, Division St, Dewey Ave, Pleasant Valley Rd N, Plymouth Ave S, Raleigh Ct, Crown Knoll Ct, Haley Farm Ln, Heather Glen Ln$841
Paulson Rd, Pelican Dr, Mumford Ave, Bass Dr, Ensign Dr, Nicholas Ave, Cross St, Cormorant Rd, C St, Hart St$841
Fieldside Dr, Monument St, Bayside Ave, Payer Ln, Hunley Cir, Nautilus Rd, Colony Rd, Laurelwood Rd, Sylvan St, Mohegan Rd$957
Cottage Pl, Windham Rd, Jefferson Dr, Buddington Rd, Lambtown Rd, Patricks Ct, Gallup St, Leafwood Ln, Academy Ln, Ring Dr$852

Groton, CT Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Groton$128 to $131
Long Hill$124
Noank$135
Groton Long Point$152

Groton, 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
Long Hill CDP, Connecticut $125 $166 $249
Poquonock Bridge CDP, Connecticut $125 $166 $249
Noank CDP, Connecticut $135 $180 $270

Groton, 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
Groton, CT3.8%10.0%
Long Hill3.85%10.15%
Poquonock Bridge4.95%17.29%
Noank2.99%8.55%

Groton Renters Insurance as a Percentage of Rent

Groton Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 249 3.0% $338
$200 to $299 304 4.0% $788
$300 to $499 391 5.0% $1238
$500 to $749 391 5.0% $1913
$750 to $999 1,552 21.0% $2663
$1,000 to $1,499 3,022 40.0% $3788
$1,500 or more 1,476 19.0% $5438

Groton, CT Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,100$5,100
Yearly Groton Homeowner Insurance Premium Example $4,600$3,600
Out of Pocket Expense During Claim$1,100$5,100
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $24,100$23,100
Net Savings to Groton Home Owner from High Deductible Plan $1,000

Groton, CT Home Insurance Costs With Home Replacement Value Scenarios

Scenario Groton, CT Home Replacement Value MORE than Home Value Groton, CT Home Replacement Value LESS than Home Value
Replacement Value $235,500 $175,500
Insurance Premium based on Replacement Value $2,475 $1,850
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $38,500 Risk Exposure from Under Insuring Coverage is $21,500
Premium Impact Insurance cheaper by $225/year Insurance costlier by $400/year

Example Groton Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company GEICO InsuranceChubb Group of InsuranceState Farm
Monthly Premium 99206118
Year Built 194819731994
Home Details 2 Beds, 1 Baths5 Beds, 2 Baths3 Beds, 1 Baths
Coverage Amount $150000-$175000$250000-$300000$200000-$250000
Deductible $500- $1000 Deductible$500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
2008 225,000 Asphalt Shingles Roof 1,600 4 $2500-$5000 Deductible 640 5 Vinyl siding yes
1984 180,000 Membrane Roof 1,600 4 $1000-$2500 Deductible 640 4 Fiber-Cement Siding yes
1981 205,000 Wood Shake Roof 1,390 2 $1000-$2500 Deductible 970 7 Vinyl siding yes
1945 225,000 Shingles Roof 1,970 3 > $10,000 Deductible 900 10 Wood siding yes
2001 250,000 Membrane Roof 1,880 3 $5000 to $10,000 Deductible 1470 9 Stucco siding No
1979 230,000 Asphalt Shingles Roof 1,910 4 $1000-$2500 Deductible 780 6 Stucco siding No
1960 605,000 Wood Shake Roof 4,310 5 $1000-$2500 Deductible 1980 5 Wood siding yes
1981 140,000 Metal Roof 1,270 3 $1000-$2500 Deductible 810 7 Stucco siding yes
2001 650,000 Slate Shingles Roof 4,830 5 $1000-$2500 Deductible 3160 7 Vinyl siding yes
2010 350,000 Composition Roof 2,230 3 $5000 to $10,000 Deductible 1050 5 Wood siding yes
1975 460,000 Metal Roof 3,070 4 > $10,000 Deductible 530 3 Brick siding No
2002 320,000 Slate Shingles Roof 2,300 5 $2500-$5000 Deductible 960 5 Brick siding yes
1987 130,000 Composition Roof 1,020 2 $2500-$5000 Deductible 520 6 Fiber-Cement Siding yes
1965 200,000 Asphalt Shingles Roof 1,640 3 $5000 to $10,000 Deductible 260 3 Stone Siding yes
1970 135,000 Shingles Roof 970 2 $1000-$2500 Deductible 230 3 Wood siding yes
1976 290,000 Wood Shake Roof 2,500 4 $5000 to $10,000 Deductible 260 2 Stone Siding No
2013 345,000 Membrane Roof 2,420 4 $500 Deductible 2230 6 Brick siding yes
2012 340,000 Membrane Roof 2,950 5 $500 Deductible 3250 10 Fiber-Cement Siding No
1988 265,000 Tile Roof 2,040 3 $2500-$5000 Deductible 920 6 Stucco siding yes
1964 400,000 Membrane Roof 2,800 5 $5000 to $10,000 Deductible 1690 9 Vinyl siding yes
1986 245,000 Tile Roof 1,650 5 $1000-$2500 Deductible 1400 9 Fiber-Cement Siding No
2004 195,000 Slate Shingles Roof 1,420 3 $500- $1000 Deductible 650 4 Fiber-Cement Siding No
1960 405,000 Membrane Roof 3,120 4 $1000-$2500 Deductible 590 2 Stucco siding yes
1970 460,000 Composition Roof 2,940 5 > $10,000 Deductible 1390 6 Fiber-Cement Siding yes
1946 240,000 Wood Shake Roof 1,480 3 $500 Deductible 2960 12 Fiber-Cement Siding No
1973 370,000 Metal Roof 2,400 4 > $10,000 Deductible 1790 10 Vinyl siding yes
1942 335,000 Metal Roof 2,640 4 $500- $1000 Deductible 200 1 Brick siding No
1960 270,000 Metal Roof 1,820 3 $1000-$2500 Deductible 1200 6 Vinyl siding No
1960 175,000 Shingles Roof 1,250 3 $5000 to $10,000 Deductible 770 10 Stucco siding yes
1972 305,000 Wood Shake Roof 2,380 3 $500- $1000 Deductible 3250 12 Fiber-Cement Siding No