Hamden Insurance Rates:

Hamden, CT homeowners insurance is about $727 to $986, about $60-$82/month. Our exhaustive guide shows customers can save as much as $342 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

Farmer's Insurance
Farmers has made it extremely easy to pay my bill.
State Farm
Here is not a lot i don't like about my home insurance company. the only thing i can think of is that when i originally signed up online to get a quote, it generated phone calls from several of their agents, even out of state, and i continued to get calls from agents trying to get my business for weeks after i had already signed up. they didn't seem to do their homework, to see that i already had a policy, just not with their particular office. however, i told them i had already signed up with state farm and just not with their office.
State Farm
I like that when i call the office, someone answers personally who works from the local office. if i went to that office i would be able to speak with them personally.
Allstate
I have got quotes from other companies. The other quotes were higher rates and less coverage. I prefer this company over other's
Liberty Mutual
The interaction is very good with Liberty Mutual. The documents are mailed to you each year about your policy and you can look up your information on the website as well.
Travelers
I really like the communication with the insurance company.

Hamden, CT Homeowners Insurance By Home Value

Hamden, CT Home Value Total Homes % of Total Average Hamden, CT Homeowners Insurance
Less than $50,000 217 1.0% $85
$100,000 to $124,999 446 3.0% $377
$125,000 to $149,999 669 4.0% $471
$150,000 to $174,999 1,239 8.0% $557
$175,000 to $199,999 1,659 11.0% $642
$200,000 to $249,999 3,307 23.0% $771
$250,000 to $299,999 3,047 22.0% $942
$300,000 to $399,999 3,017 21.0% $1199

Top Home Insurance Agents Near Hamden, CT

Home Insurance Company Near Hamden, CT Homeowners Insurance Agency Near Hamden, CT Address
Travelers Brooks Todd & Mcneil 69 Water St, TORRINGTON, CT, 6790
Travelers Clark Agency Llc 15 LEWIS ST, HARTFORD, CT, 6103
Nationwide Joan A Greening 54 State St, North Haven, CT, 06473-2205
Liberty Mutual Independent Usi Insurance Services Llc 200 Summit Lake Drive 200 Summit Lake Drive Valhalla, Valhalla, NY, 10595
Travelers Whitty Mather & Pitts Insurance 46 PLAINS RD UNIT 31, ESSEX, CT, 6426

Cost Of Homeowners Insurance By Street Near Hamden, CT

Streets in Hamden Area Homeowners Insurance Cost
Carew Rd, Four Rod Rd, Merritt St, St Mary St, Palmer Ave, Reniew Rd, Talmadge Rd, Benton St, Blue Trl, Franklin Rd$849
Valley View Ct, Carbonella Dr, Katherine Dr, Murlyn Rd, Millis St, Hotchkiss Ln, Paradise Ave, Cole Rd, Hesse Rd, Gaylord Mountain Rd$887
Pease Rd, Earl Ave Exd, Haig St, Victoria Ct, Turnor Ave, Klarman Dr, Connolly Pkwy, Claire Ter, Misty Meadow Ln, Hunting Ridge$880
Francis Ave, Sandquist Cir, Six Rod Hwy, Promenade Dr N, Sky View Cir, Murlyn St, Cooper Ln, W Shepard Ave, Adla Dr, Edgecomb St$865
Lynmot Rd, Jones Rd, N Sheffield St, Robert St, Bolton St, Concord St, Woodin St, Lexington St, Smith Dr, Pickwick Rd$840

Hamden, CT Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Hamden$128 to $130
New Haven County$129
North Haven$131
Bethany$135

Hamden, 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
New Haven County, Connecticut $108 $143 $215
North Haven CDP, Connecticut $110 $146 $219
Bethany town, New Haven County, Connecticut $113 $150 $225

Hamden, 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
Hamden, CT3.4%8.4%
New Haven County3.46%8.56%
North Haven3.22%8.48%
Bethany2.92%7.49%

Hamden Renters Insurance as a Percentage of Rent

Hamden Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 453 6.0% $1239
$500 to $749 326 4.0% $1914
$750 to $999 887 12.0% $2664
$1,000 to $1,499 3,535 48.0% $3789
$1,500 or more 2,035 27.0% $5439

Hamden, CT Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$3,600
Yearly Hamden Homeowner Insurance Premium Example $1,400$900
Out of Pocket Expense During Claim$600$3,600
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $10,400$9,900
Net Savings to Hamden Home Owner from High Deductible Plan $500

Hamden, CT Home Insurance Costs With Home Replacement Value Scenarios

Scenario Hamden, CT Home Replacement Value MORE than Home Value Hamden, CT Home Replacement Value LESS than Home Value
Replacement Value $320,000 $219,500
Insurance Premium based on Replacement Value $2,650 $1,825
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $51,500 Risk Exposure from Under Insuring Coverage is $49,000
Premium Impact Insurance cheaper by $400/year Insurance costlier by $425/year

Example Hamden Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateTravelersHartford Insurance Group
Monthly Premium 545214135
Year Built 195119491988
Home Details 5 Beds, 3 Baths4 Beds, 2 Baths2 Beds, 1 Baths
Coverage Amount $500000-$600000$300000-$350000$175000-$200000
Deductible $500 Deductible$500- $1000 Deductible$500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1986 225,000 Membrane Roof 1,540 3 $2500-$5000 Deductible 830 7 Stone Siding yes
1962 230,000 Shingles Roof 1,690 2 $5000 to $10,000 Deductible 600 4 Brick siding yes
1951 300,000 Membrane Roof 2,650 4 $2500-$5000 Deductible 1000 6 Fiber-Cement Siding yes
1960 205,000 Tile Roof 1,680 4 $500- $1000 Deductible 1750 10 Vinyl siding No
1979 160,000 Wood Shake Roof 1,260 3 $500- $1000 Deductible 1410 9 Brick siding yes
1988 280,000 Asphalt Shingles Roof 1,770 2 > $10,000 Deductible 1060 10 Stucco siding No
1979 280,000 Asphalt Shingles Roof 1,930 3 $5000 to $10,000 Deductible 1210 8 Stucco siding No
1981 280,000 Wood Shake Roof 2,040 4 $5000 to $10,000 Deductible 160 1 Wood siding No
1973 625,000 Asphalt Shingles Roof 4,340 5 $500 Deductible 2180 4 Wood siding yes
1986 270,000 Tile Roof 2,440 4 $2500-$5000 Deductible 2090 12 Stone Siding yes
1992 555,000 Wood Shake Roof 3,920 5 $500- $1000 Deductible 1190 3 Fiber-Cement Siding No
1974 270,000 Composition Roof 2,020 4 > $10,000 Deductible 390 3 Stone Siding No
1957 180,000 Wood Shake Roof 1,210 2 $5000 to $10,000 Deductible 1180 10 Wood siding No
1993 625,000 Metal Roof 4,020 5 $2500-$5000 Deductible 3120 8 Brick siding No
1968 185,000 Slate Shingles Roof 1,250 2 $500 Deductible 680 6 Fiber-Cement Siding yes
1957 280,000 Tile Roof 1,780 4 $2500-$5000 Deductible 1030 7 Stone Siding No
1944 275,000 Metal Roof 2,310 5 $500- $1000 Deductible 180 1 Stucco siding No
1962 190,000 Slate Shingles Roof 1,760 2 $1000-$2500 Deductible 880 9 Wood siding No
1943 150,000 Tile Roof 1,030 2 $5000 to $10,000 Deductible 750 7 Wood siding yes
1942 280,000 Slate Shingles Roof 1,880 3 $500 Deductible 670 3 Wood siding No
1953 460,000 Asphalt Shingles Roof 2,930 4 $1000-$2500 Deductible 1660 6 Stucco siding yes
1958 315,000 Wood Shake Roof 2,710 4 $5000 to $10,000 Deductible 1680 12 Vinyl siding yes
1981 205,000 Shingles Roof 1,610 5 > $10,000 Deductible 830 7 Vinyl siding yes
1963 230,000 Wood Shake Roof 2,020 3 $500- $1000 Deductible 2190 9 Stucco siding No
1952 305,000 Slate Shingles Roof 2,750 4 $500 Deductible 1160 5 Fiber-Cement Siding No
1995 155,000 Metal Roof 1,030 2 $1000-$2500 Deductible 1320 12 Vinyl siding yes
1951 120,000 Metal Roof 1,110 2 $500 Deductible 390 4 Vinyl siding yes
1956 435,000 Wood Shake Roof 2,790 5 $500- $1000 Deductible 3650 10 Wood siding No
1979 530,000 Wood Shake Roof 4,210 5 $500- $1000 Deductible 1600 4 Vinyl siding No
1994 360,000 Wood Shake Roof 2,340 4 $5000 to $10,000 Deductible 850 4 Stucco siding yes