Middletown Insurance Rates:

Middletown, CT homeowners insurance is approximately $724 to $982, about $60-$81/month. Our exhaustive guide indicates shoppers can save upto $341 by comparing different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Nationwide
I like how they are always available and have immediate answers and assistance for me when i have needed them. when going through a hard time the last thing you want it to not be confident with your insurance company. the turn around for information, answers was always so prompt. very appreciated customer service
Allstate
Allstate's customer service for non-claim items is less the spectacular. they act as though they are inconvenienced about even returning a calls.
Erenterplan
I like that for the most part, the company is hassle-free, i have never had to call customer service which is an automatic plus!
Travelers
I am not aware of how well my current premium compares to other insurance companies because I have not comparison shopped in several years. I know that I can get a lower rate on my car insurance policy but am unsure of the home insurance premium. Now that I am taking this survey I will probably be comparison shopping very soon.
State Farm
When I made the decision to go with Farmers for home insurance, I needed insurance that would fit my budget. Farmers offered the necessary coverage and it was more affordable than the other quotes offered by other companies.
Geico
I have not had to make a claim but based on the rest of my interactions with the company I'm sure it would be easy.
Allstate
I guess it's lower than other companies. The Lady that worked for the loan company, she gave us quotes from three companies and they had the best price.

Middletown, CT Homeowners Insurance By Home Value

Middletown, CT Home Value Total Homes % of Total Average Middletown, CT Homeowners Insurance
Less than $50,000 247 2.0% $85
$80,000 to $89,999 118 1.0% $298
$90,000 to $99,999 169 1.0% $332
$100,000 to $124,999 534 5.0% $392
$125,000 to $149,999 358 3.0% $486
$150,000 to $174,999 1,185 11.0% $580
$175,000 to $199,999 1,043 10.0% $665
$200,000 to $249,999 2,329 23.0% $801
$250,000 to $299,999 1,673 16.0% $980
$300,000 to $399,999 2,143 21.0% $1253

Top Home Insurance Agents Near Middletown, CT

Home Insurance Company Near Middletown, CT Homeowners Insurance Agency Near Middletown, CT Address
NA The Foley Insurance Group Inc 37 Elm St , West Springfield, MA, 1089
Liberty Mutual Angel De Los Santos Jr. 35 Corporate Dr., Trumbull, CT, 6611
Travelers Hamptons Risk Management Llc 2228 MONTAUK HWY, BRIDGEHAMPTON, NY, 11932
State Farm Kevin Fischer 1814 Middle Country Rd Ste 3, Ridge, NY, 11961-2418
Travelers The Milford Insurance Agency Inc Po Box 249, Milford, CT, 6460

Cost Of Homeowners Insurance By Street Near Middletown, CT

Streets in Middletown Area Homeowners Insurance Cost
Metro Sq, Silvermine Rd, Trigo Dr, Tryon St, Arnold St, Rising Trail Ct, Aresco Dr, E Ridge Rd, Dekoven Dr, Court St$866
W Meadow Ln, Higby Rd, Poplar Rd, Long Ln, Old Mill Rd, Durant Ter, Bow Ln, Brown St, Carriage Crossing Ln, Rising Trail Dr$827
Home Ave, Woodbury Cir, McGrath Dr, Glynn Ave, Fowler Ave, Yellow Wood St, Newtown St, Lee St, Norfolk St, Pheasant Dr$846
Russett Park, Castanea Ct, Thomas St, Ribera Ln, Stirling Ct, Hawks Nest Cir, Wilcox Rd, W Lake Dr, Fairview Ave, Wilderman Way$828
Greenlawn Ave, Litchfield Ct, Paddock Rd, Woodside Cir, Chimney Hill, Saint Johns Sq, Lakeside Ave, Lisa Ln, Bartholomew Rd, Footit Dr$848

Middletown, CT Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Middletown$127 to $130
Middlefield$130
Cromwell$128
Portland$131

Middletown, 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
Middlefield town, Middlesex County, Connecticut $131 $174 $261
Cromwell town, Middlesex County, Connecticut $128 $171 $257
Portland town, Middlesex County, Connecticut $131 $174 $261

Middletown, 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
Middletown, CT3.6%9.1%
Middlefield3.33%9.08%
Cromwell3.47%7.88%
Portland3.42%8.73%

Middletown Renters Insurance as a Percentage of Rent

Middletown Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 220 2.0% $341
$200 to $299 248 2.0% $791
$300 to $499 455 5.0% $1241
$500 to $749 1,068 12.0% $1916
$750 to $999 2,665 31.0% $2666
$1,000 to $1,499 2,844 33.0% $3791
$1,500 or more 874 10.0% $5441

Middletown, CT Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$800$3,800
Yearly Middletown Homeowner Insurance Premium Example $2,400$1,800
Out of Pocket Expense During Claim$800$3,800
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $20,000$18,200
Net Savings to Middletown Home Owner from High Deductible Plan $1,800

Middletown, CT Home Insurance Costs With Home Replacement Value Scenarios

Scenario Middletown, CT Home Replacement Value MORE than Home Value Middletown, CT Home Replacement Value LESS than Home Value
Replacement Value $295,000 $202,000
Insurance Premium based on Replacement Value $3,450 $2,375
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $25,000 Risk Exposure from Under Insuring Coverage is $68,000
Premium Impact Insurance cheaper by $800/year Insurance costlier by $275/year

Example Middletown Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Farmers InsuranceAmica Mutual Insurance CompanyTravelers
Monthly Premium 25611394
Year Built 198219981968
Home Details 4 Beds, 2 Baths5 Beds, 1 Baths3 Beds, 2 Baths
Coverage Amount $400000-$500000$150000-$175000$175000-$200000
Deductible $5000 to $10,000 Deductible$1000-$2500 Deductible$2500-$5000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1960 235,000 Wood Shake Roof 1,700 2 $5000 to $10,000 Deductible 1400 10 Fiber-Cement Siding No
1992 400,000 Tile Roof 3,020 5 $2500-$5000 Deductible 2290 12 Vinyl siding No
1990 230,000 Tile Roof 2,030 4 $2500-$5000 Deductible 1420 10 Vinyl siding yes
2009 120,000 Wood Shake Roof 920 2 $2500-$5000 Deductible 600 8 Vinyl siding No
1984 210,000 Asphalt Shingles Roof 1,680 2 $2500-$5000 Deductible 1290 9 Wood siding No
1967 340,000 Wood Shake Roof 2,580 4 $500 Deductible 290 1 Stone Siding yes
1976 395,000 Composition Roof 3,250 4 $1000-$2500 Deductible 1070 4 Fiber-Cement Siding yes
1976 255,000 Asphalt Shingles Roof 1,690 5 > $10,000 Deductible 310 2 Fiber-Cement Siding yes
1987 195,000 Metal Roof 1,600 2 $500- $1000 Deductible 580 3 Vinyl siding yes
1991 310,000 Shingles Roof 2,510 4 $500- $1000 Deductible 330 2 Stone Siding No
1981 350,000 Membrane Roof 2,530 4 $2500-$5000 Deductible 850 3 Wood siding yes
1989 255,000 Membrane Roof 1,910 4 > $10,000 Deductible 430 5 Wood siding No
1976 205,000 Wood Shake Roof 1,910 5 $1000-$2500 Deductible 660 5 Vinyl siding yes
1997 210,000 Tile Roof 1,560 3 $2500-$5000 Deductible 1580 10 Stone Siding yes
1994 270,000 Membrane Roof 2,240 4 $5000 to $10,000 Deductible 340 2 Vinyl siding yes
1941 320,000 Asphalt Shingles Roof 2,700 4 $2500-$5000 Deductible 590 4 Stone Siding No
1963 160,000 Membrane Roof 1,490 3 $1000-$2500 Deductible 540 6 Brick siding No
1987 245,000 Asphalt Shingles Roof 2,170 4 $5000 to $10,000 Deductible 1400 9 Stucco siding yes
1940 395,000 Tile Roof 2,850 4 $5000 to $10,000 Deductible 700 3 Fiber-Cement Siding yes
1964 235,000 Composition Roof 1,660 2 $500- $1000 Deductible 370 2 Vinyl siding No
1973 275,000 Wood Shake Roof 2,340 3 $500 Deductible 500 3 Brick siding yes
2002 190,000 Shingles Roof 1,820 4 $2500-$5000 Deductible 340 4 Fiber-Cement Siding No
2009 305,000 Tile Roof 2,470 5 $500 Deductible 2750 9 Fiber-Cement Siding No
2009 350,000 Membrane Roof 3,210 5 $500- $1000 Deductible 1960 6 Stone Siding No
1974 200,000 Composition Roof 1,950 5 $500- $1000 Deductible 450 4 Stucco siding No
1981 180,000 Tile Roof 1,450 3 $500 Deductible 1910 12 Vinyl siding yes
1971 450,000 Wood Shake Roof 3,120 4 $2500-$5000 Deductible 930 3 Stucco siding yes
1971 290,000 Tile Roof 2,800 4 $500- $1000 Deductible 1400 9 Vinyl siding No
1976 300,000 Wood Shake Roof 2,770 5 $2500-$5000 Deductible 2600 12 Stone Siding No
2004 315,000 Shingles Roof 2,300 3 > $10,000 Deductible 1400 9 Fiber-Cement Siding No