Hartford Insurance Rates:

Hartford, CT homeowners insurance is roughly $708 to $959, about $59-$79/month. Our all inclusive guide shows customers can save upto $333 by comparing multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

My insurance provider aaa has pretty good customer service. whenever i called them, i was greeted in a friendly manner and my queries were all answered.
State Farm
We are happy with the service they provide and the availability of our agents as we need them. We feel like they are providing a service to imporve our lifestyle
I have had amazing experiences with Geico insurance. They are the cheapest insurance available, they are so good to veterans and they always help wiith any problems that I have had.
State Farm
They are an easy insurance company to work with and their rates are fair and reasonable.
State Farm
I would recommend State Farm to my friends and family. I do not have much experience with Home Insurance, and SF made the process easy to understand and offered a fair rate.
A higher deductible means a reduced cost in your insurance premium. ... A higher deductible of $1,000 means your company would then be covering you for only $4,000.
I would recommend this company as I haven't had any issues and don't see any coming in the future if I need to use my insurance policy for my home.
I would recommend this home insurance because they are the best! It seems that they really care and have great quality assistance. In my 3 years with them I never experienced any issues!
Overall i would not recommend them to a friend, a little bit research will find you with a cheaper local alternative.
Liberty Mutual
I like the fact that they offer replacement coverage versus basing compensation on an assessment of worth. this means i will be able to fully replace anything that might be destroyed should god forbid something to happen.
Farmer's Insurance
We have always had pleasant communication with our insurance company. We hear from them yearly to discuss our rate and to get notification that our mortgage escrow is set up to pay them yearly.
Liberty Mutual
The website is user friendly and easy to navigate. And they 24/7 quick service to the users
Farmer's Insurance
i have recently moved my home insurance to farmers and have not had any interactions or claims with them. they had offered better rates so i moved to them.
Overall I have been very happy with my Insurance company. The rates are very competitive and I have had excellent service and communication has always been top notch
State Farm
I have called the company a couple times and was put on hold for an extended length of time, but eventually, they answered and apologized for the delay in answering the phone call.
State Farm
The premium is very good. It was cheaper than most places that I looked at.
I would say the could be more in touch as opposed to forgetting about me until my yearly escrow payment
Allstate is a national company that is very competitive and competitively priced. They have much to offer and they have great customer service. The website is easy to access and has everything that I need. Great company.
I think the company provides great rates and easy to use interface. They're very approachable and clearly have a large hand in the game.
Geico is a well-known company, and I had used them before I ever used them for home insurance for vehicle insurance and have had no problems so OK Geico, awesome thanks for being my number one insurance company.
Farmer's Insurance
Overall I am happy with the company, I like the website, I don't feel intimidated calling them and there are no hidden fees or payments that I do not understand. I like the email notifications I get, and I do like how they tell you everything upfront that is covered.
overall review is pleasant and helpful and very geniune company here for your needs
Liberty Mutual
So, to protect your belongings in case of fire, theft, or damage, you need your own policy, called an HO4 or renter's insurance policy. You also need liability coverage for damages caused by negligence. ... Renter's insurance would cover those costs.
State Farm
I would recommend this insurance company to others based on price and coverage. I also think they do a good job protecting my valuables.
we would recommend GEICO. We have not needed to file a claim on our homeowner's policy with GEICO to date, so we can't speak to how they are with respect to claims filed against their insurance policy.
Amica Mutual Insurance
There isn't much to dislike about them, I haven't had any negative experience. I get what I pay for, but whenever I have interacted with them, it has always been very pleasant.
Farmer's Insurance
We have always had great customer service, friendliness, and cooperation with our agent. This makes the whole claims process as well as interaction s with the company that much easier.
Narragansett Bay Insurance Company
I like that I get to work with one person from start to finish. I like that almost everything is covered for a reasonable price and I like the communication they have with me.
State Farm
I would recommend this company to my peers. They are the class of the market, as they offer the most coverage, and the best service.

Hartford, CT Homeowners Insurance By Home Value

Hartford, CT Home Value Total Homes % of Total Average Hartford, CT Homeowners Insurance
Less than $50,000 450 4.0% $116
$60,000 to $69,999 232 2.0% $299
$70,000 to $79,999 274 2.0% $349
$80,000 to $89,999 231 2.0% $391
$90,000 to $99,999 293 2.0% $441
$100,000 to $124,999 848 7.0% $508
$125,000 to $149,999 1,083 10.0% $641
$150,000 to $174,999 1,946 18.0% $758
$175,000 to $199,999 1,529 14.0% $874
$200,000 to $249,999 1,596 14.0% $1049
$250,000 to $299,999 1,226 11.0% $1282
$300,000 to $399,999 854 8.0% $1632

Top Home Insurance Agents Near Hartford, CT

Home Insurance Company Near Hartford, CT Homeowners Insurance Agency Near Hartford, CT Address
NA Kln Specialty Insurance Agency 21 Oak Street 21 Oak Street, Hartford, CT, 6107
NA Country Valley Insurance Agency 16 Warren Road, Brimfield, MA, 1010
Liberty Mutual Independent Grover Insurance Llc 3 GRAVEL ST, MYSTIC, CT, 6355
Liberty Mutual Independent Ipne Div Starkweather & Shepley Ins Corp Of Ma 49 MAIN ST, STURBRIDGE, MA, 1566
Nationwide Joseph E Mantovani 500 Washington AveSuite 108, North Haven, CT, 06473-1317

Hartford, CT Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Hartford, CT

Streets in Hartford Area Homeowners Insurance Cost
Potter St, Kane St, N Canaan St, E Raymond St, Mahoney Dr, Newton St, Cleveland Ave, Saint Monica Ave, Edwards St, Green St$826
Shultas Pl, Sargeant St, Liebert Rd, Owen St, Cogswell St, E Burnham St, Madison Ave, Stafford St, Westbourne Pkwy, Coleman Dr$841
Union Pl, Boothbay St, Rose St, Warren St, Keney Ter, Van Dyke Ave, Hampton St, Roger St, Salisbury St, Pembroke St$824
Dalton St, Atheneum Sq, Gaines Dr, Allen Dr, Regent St, Jewell Ct, Belridge St, Newbury St, Heath St, Eaton St$823
Bedford St, Putnam Hts, Franklin Pl, Asylum St, Pavilion St, Standish St, Colby St, Charter Oak Ave, Haynes St, Norfolk St$843

Hartford, CT Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Hartford$124 to $127
Blue Hills$124
West Hartford$131
East Hartford$125

Hartford, 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
Blue Hills CDP, Connecticut $104 $138 $207
West Hartford CDP, Connecticut $109 $145 $218
East Hartford CDP, Connecticut $104 $139 $208

Hartford, 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
Hartford, CT4.1%10.2%
Blue Hills3.92%10.79%
West Hartford3.26%8.21%
East Hartford3.89%10.16%

Hartford Renters Insurance as a Percentage of Rent

Hartford Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 1,388 4.0% $349
$200 to $299 2,030 5.0% $799
$300 to $499 2,415 7.0% $1249
$500 to $749 6,507 19.0% $1924
$750 to $999 10,503 30.0% $2674
$1,000 to $1,499 9,213 27.0% $3799
$1,500 or more 1,983 5.0% $5449

Hartford, CT Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Hartford Homeowner Insurance Premium Example $1,400$1,200
Out of Pocket Expense During Claim$1,500$2,500
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $12,700$12,100
Net Savings to Hartford Home Owner from High Deductible Plan $600

Hartford, CT Home Insurance Costs With Home Replacement Value Scenarios

Scenario Hartford, CT Home Replacement Value MORE than Home Value Hartford, CT Home Replacement Value LESS than Home Value
Replacement Value $203,000 $152,500
Insurance Premium based on Replacement Value $2,100 $1,575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $22,500 Risk Exposure from Under Insuring Coverage is $28,000
Premium Impact Insurance cheaper by $275/year Insurance costlier by $250/year

Example Hartford Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceHartford Insurance GroupAmica Mutual Insurance Company
Monthly Premium 8474195
Year Built 196819701957
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 2 Baths
Coverage Amount $100000-$125000$125000-$150000$250000-$300000
Deductible $500 Deductible$2500-$5000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1949 190,000 Asphalt Shingles Roof 2,330 3 $500 Deductible 750 4 Vinyl siding yes
1940 195,000 Membrane Roof 2,350 3 $500 Deductible 1850 9 Stucco siding No
1941 110,000 Slate Shingles Roof 1,060 2 $500- $1000 Deductible 710 10 Brick siding No
1959 150,000 Shingles Roof 1,650 2 $1000-$2500 Deductible 470 5 Stone Siding No
1968 125,000 Tile Roof 1,330 3 $2500-$5000 Deductible 250 3 Stone Siding No
1941 240,000 Tile Roof 2,210 3 $1000-$2500 Deductible 800 5 Vinyl siding yes
1962 205,000 Metal Roof 2,370 4 > $10,000 Deductible 650 7 Vinyl siding yes
1975 255,000 Membrane Roof 2,360 4 $5000 to $10,000 Deductible 90 1 Vinyl siding No
1947 100,000 Asphalt Shingles Roof 1,100 2 $2500-$5000 Deductible 740 12 Fiber-Cement Siding No
1945 155,000 Wood Shake Roof 1,800 3 $500- $1000 Deductible 1250 9 Fiber-Cement Siding yes
1948 180,000 Tile Roof 1,600 4 $500- $1000 Deductible 1140 8 Fiber-Cement Siding yes
1959 150,000 Slate Shingles Roof 1,670 3 $1000-$2500 Deductible 330 4 Wood siding yes
1952 250,000 Slate Shingles Roof 2,450 4 $1000-$2500 Deductible 1750 10 Fiber-Cement Siding No
1970 255,000 Tile Roof 2,150 4 $1000-$2500 Deductible 1910 10 Brick siding yes
1947 325,000 Asphalt Shingles Roof 2,690 4 $1000-$2500 Deductible 2480 12 Vinyl siding yes
1971 220,000 Shingles Roof 1,960 3 $2500-$5000 Deductible 950 7 Vinyl siding yes
1960 145,000 Slate Shingles Roof 1,310 3 $1000-$2500 Deductible 110 1 Wood siding yes
1951 400,000 Composition Roof 3,370 4 $5000 to $10,000 Deductible 1950 7 Wood siding No
1949 110,000 Slate Shingles Roof 1,250 2 $500 Deductible 1000 10 Wood siding yes
1967 330,000 Asphalt Shingles Roof 2,790 4 $500- $1000 Deductible 1570 6 Wood siding yes
1962 190,000 Wood Shake Roof 1,620 2 $2500-$5000 Deductible 1570 12 Fiber-Cement Siding No
1949 265,000 Metal Roof 2,230 3 $1000-$2500 Deductible 1540 8 Stucco siding No
1949 150,000 Slate Shingles Roof 1,360 2 $500 Deductible 400 4 Vinyl siding yes
1949 115,000 Asphalt Shingles Roof 1,020 2 $2500-$5000 Deductible 230 3 Wood siding yes
1957 215,000 Composition Roof 2,170 3 $5000 to $10,000 Deductible 980 10 Brick siding yes
1978 240,000 Shingles Roof 2,220 4 > $10,000 Deductible 510 5 Vinyl siding No
1953 220,000 Asphalt Shingles Roof 1,820 3 $2500-$5000 Deductible 1060 8 Brick siding No
1954 320,000 Wood Shake Roof 2,870 4 $500 Deductible 1300 6 Stucco siding No
1966 185,000 Tile Roof 1,920 3 $500- $1000 Deductible 1190 12 Fiber-Cement Siding yes
1976 140,000 Shingles Roof 1,560 3 $1000-$2500 Deductible 180 2 Vinyl siding yes
1967 90,000 Shingles Roof 867 1 $2500-$5000 Deductible 420 5 Fiber-Cement Siding yes

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