Prospect Insurance Rates:

Prospect, CT homeowners insurance is about $739 to $1,010, about $61-$84/month. Our complete analysis shows customers can save upto $349 by getting many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Prospect, CT Homeowners Insurance By Home Value

Prospect, CT Home Value Total Homes % of Total Average Prospect, CT Homeowners Insurance
Less than $50,000 179 7.0% $69
$100,000 to $124,999 34 1.0% $314
$150,000 to $174,999 96 3.0% $463
$175,000 to $199,999 149 6.0% $541
$200,000 to $249,999 443 18.0% $646
$250,000 to $299,999 589 24.0% $795
$300,000 to $399,999 870 36.0% $1013

Top Home Insurance Agents Near Prospect, CT

Home Insurance Company Near Prospect, CT Homeowners Insurance Agency Near Prospect, CT Address
Travelers Berliner Fitelson Insurance Llc 188 MAIN ST STE A, MONROE, CT, 6468
Travelers Ferguson & Mcguire - Bf 373 CENTER ST, WALLINGFORD, CT, 6492
Travelers G W Morisi Insurance Agency Inc 175 Dwight Road Suite 309, Longmeadow, MA, 1106
Travelers Nutmeg Insurance Group Inc 2450 MAIN ST, GLASTONBURY, CT, 6033
Travelers Vollmer-Adair Agency Inc 44 BROADWAY, GREENLAWN, NY, 11740

Cost Of Homeowners Insurance By Street Near Prospect, CT

Streets in Prospect Area Homeowners Insurance Cost
Rozum Cir, Catherine Dr, Maria Hotchkiss Rd, Sills Ave, Pinecrest Dr, Knapp Dr, Sterling Woods, Luke St, Barbara Ave, Southridge Rd$871
Beach Dr, Batbara Ave, Matthew St, Tulip Tree Cir, Longwood Dr, White Oak Dr, Sherwood Dr, Raindance Ct, Peach Orchard Rd, Coer Rd$869
Morris Rd, Valley Ln, Industrial Rd, Karyl Ln, Tress Rd, Porter Hill Rd, Saddle Ct, Farmwood Dr, Old Schoolhouse Rd, Melissa Ln$875
Notch Rd, Rosemary, Wagon Wheel Dr, Giovanni Dr, Lombard Dr, Rosewood Dr, Overlook Ct, Union City Rd, Woodmont Ests, Sycamore Dr$865
Alison Ct, Damase St, Thistle Down Ln, Barry Ln, Cook Rd, Amber Ct, Woodland Ter, Putting Green Ln, Wilkens Ln, Vaillen Ct$873

Prospect, CT Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Prospect$130 to $132
Cheshire$133
Cheshire Village$132
Naugatuck$126

Prospect, 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
Cheshire town, New Haven County, Connecticut $134 $178 $267
Cheshire Village CDP, Connecticut $132 $176 $264
Naugatuck borough, Connecticut $127 $169 $254

Prospect, 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
Prospect, CT3.4%9.6%
Cheshire3.01%8.14%
Cheshire Village3.22%8.1%
Naugatuck3.84%8.87%

Prospect Renters Insurance as a Percentage of Rent

Prospect Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$500 to $749 19 12.0% $1907
$750 to $999 72 46.0% $2657
$1,000 to $1,499 56 36.0% $3782
$1,500 or more 7 4.0% $5432

Prospect, CT Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$1,600
Yearly Prospect Homeowner Insurance Premium Example $5,500$4,500
Out of Pocket Expense During Claim$600$1,600
Total Home Insurance Premium for 2 years + Out of Pocket Expense for Claim $11,600$10,600
Net Savings to Prospect Home Owner from High Deductible Plan $1,000

Prospect, CT Home Insurance Costs With Home Replacement Value Scenarios

Scenario Prospect, CT Home Replacement Value MORE than Home Value Prospect, CT Home Replacement Value LESS than Home Value
Replacement Value $355,500 $218,500
Insurance Premium based on Replacement Value $4,050 $2,500
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $93,500 Risk Exposure from Under Insuring Coverage is $43,500
Premium Impact Insurance cheaper by $500/year Insurance costlier by $1,050/year

Example Prospect Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersState FarmAmica Mutual Insurance Company
Monthly Premium 155290129
Year Built 196320012010
Home Details 3 Beds, 2 Baths4 Beds, 3 Baths5 Beds, 3 Baths
Coverage Amount $300000-$350000$500000-$600000$250000-$300000
Deductible > $10,000 Deductible> $10,000 Deductible> $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1981 735,000 Wood Shake Roof 4,590 5 $500 Deductible 3680 7 Stone Siding No
1993 310,000 Slate Shingles Roof 2,310 4 $2500-$5000 Deductible 960 4 Stone Siding No
1970 685,000 Composition Roof 3,810 5 $500- $1000 Deductible 4320 8 Stone Siding No
1996 285,000 Membrane Roof 2,020 4 $500- $1000 Deductible 1200 7 Wood siding No
1994 365,000 Asphalt Shingles Roof 2,550 5 $500 Deductible 2340 6 Wood siding yes
2011 285,000 Shingles Roof 2,140 4 $500 Deductible 870 3 Stone Siding No
1982 485,000 Slate Shingles Roof 2,890 4 > $10,000 Deductible 300 1 Vinyl siding No
1971 455,000 Slate Shingles Roof 2,460 5 $500 Deductible 1220 3 Vinyl siding yes
1989 430,000 Tile Roof 3,150 4 $500- $1000 Deductible 1360 6 Wood siding yes
1976 585,000 Composition Roof 3,170 5 $500 Deductible 6040 12 Brick siding yes
1985 285,000 Slate Shingles Roof 2,120 4 $500- $1000 Deductible 1420 6 Wood siding No
1995 355,000 Tile Roof 2,100 3 $2500-$5000 Deductible 900 4 Brick siding No
1981 470,000 Tile Roof 3,120 4 $2500-$5000 Deductible 3020 8 Fiber-Cement Siding No
1962 255,000 Shingles Roof 1,850 4 $2500-$5000 Deductible 1580 12 Stucco siding yes
2005 315,000 Slate Shingles Roof 2,230 5 $1000-$2500 Deductible 2350 9 Vinyl siding No
1997 415,000 Slate Shingles Roof 2,410 4 $1000-$2500 Deductible 2710 8 Stone Siding No
2011 775,000 Metal Roof 4,250 5 $5000 to $10,000 Deductible 4390 12 Stucco siding No
1985 215,000 Slate Shingles Roof 1,610 4 $500- $1000 Deductible 750 4 Stucco siding yes
1962 345,000 Membrane Roof 2,670 4 $500 Deductible 3900 12 Wood siding yes
1983 335,000 Slate Shingles Roof 2,160 4 $500 Deductible 2220 9 Brick siding yes
1973 815,000 Wood Shake Roof 4,850 5 > $10,000 Deductible 420 1 Brick siding No
2011 490,000 Shingles Roof 2,770 5 $500- $1000 Deductible 1220 4 Vinyl siding No
1992 375,000 Tile Roof 2,810 4 $2500-$5000 Deductible 720 3 Wood siding yes
2011 180,000 Membrane Roof 1,230 3 $1000-$2500 Deductible 260 2 Brick siding No
1985 345,000 Metal Roof 2,070 5 $2500-$5000 Deductible 1570 8 Stucco siding yes
1972 250,000 Asphalt Shingles Roof 1,620 3 $5000 to $10,000 Deductible 380 3 Brick siding No
1976 270,000 Metal Roof 2,020 5 $2500-$5000 Deductible 2210 12 Stucco siding No
1997 380,000 Slate Shingles Roof 2,040 3 $500 Deductible 1220 3 Fiber-Cement Siding yes
1984 365,000 Asphalt Shingles Roof 2,920 4 $1000-$2500 Deductible 1440 5 Vinyl siding yes
2005 470,000 Metal Roof 2,600 5 $1000-$2500 Deductible 3570 10 Stucco siding yes
1997 240,000 Composition Roof 1,700 5 > $10,000 Deductible 620 4 Wood siding yes
2006 295,000 Metal Roof 2,340 3 $1000-$2500 Deductible 530 3 Wood siding No
1997 555,000 Composition Roof 3,460 5 $2500-$5000 Deductible 1420 4 Wood siding No
1988 255,000 Composition Roof 1,530 3 $1000-$2500 Deductible 740 4 Fiber-Cement Siding yes