Hartford ,CT Home Insurance - The cost of homeowners insurance is influenced by a range of factors, including the value of your coverage, deductible, and the construction materials used in your home.
VHome Insurance conducted a thorough analysis of the Hartford, CT homeowners insurance market, taking into account factors like average costs, range of coverages, deductibles and customer satisfaction ratings to determine the best providers. The Average home insurance cost in Hartford, CT is $1565. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Hartford, CT. VHome Insurance will help you navigate the world of homeowners insurance coverages in Hartford, CT.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $626 |
| $200,000 | $1,064 |
| $300,000 | $1,315 |
| $400,000 | $2,003 |
| $500,000 | $2,520 |
One key aspect of your policy is the deductible, which is the amount you pay out of pocket before your insurance kicks in. Choosing the right deductible can have a major impact on your insurance premiums and overall savings. In this guide, we'll help you understand the options available for homeowners insurance deductibles in Hartford, CT, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,605 |
| $1000 Deductible | $1,435 |
| $1500 Deductible | $1,354 |
| $2500 Deductible | $1,221 |
| $5000 Deductible | $1,033 |
| 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 |
| 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 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Hartford, CT | 4.1% | 10.2% |
| Blue Hills | 3.92% | 10.79% |
| West Hartford | 3.26% | 8.21% |
| East Hartford | 3.89% | 10.16% |
| 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 |
| 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 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Hartford | $124 to $127 |
| Blue Hills | $124 |
| West Hartford | $131 |
| East Hartford | $125 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,500 | $2,500 |
| 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 | |
| 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 |
| Insurance Company | Nationwide Insurance | Hartford Insurance Group | Amica Mutual Insurance Company |
| Monthly Premium | 84 | 74 | 195 |
| Year Built | 1968 | 1970 | 1957 |
| Home Details | 2 Beds, 1 Baths | 3 Beds, 2 Baths | 4 Beds, 2 Baths |
| Coverage Amount | $100000-$125000 | $125000-$150000 | $250000-$300000 |
| Deductible | $500 Deductible | $2500-$5000 Deductible | $1000-$2500 Deductible |