Simsbury Insurance Rates:

Simsbury, CT homeowners insurance is roughly $753 to $1,022, about $62-$85/month. Our thorough analysis shows customers can save as much as $355 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Farmer's Insurance
They offer a lot of discounts. i am eligible for discounts for having more than one policy with them and paying my policy amount in full each time. these are nice options to have when it comes to my money.
Allstate
They play way too many commercials, which makes me wonder where my money is going. maybe they don't need to invest in the advertisement so much.
Aaa
I do like the app and website availability of aaa. this makes my payments a lot easy and user-friendly to navigate the options rather than calling on the phone.
State Farm
I've never been able to get a 'nice' worker that comes out to my house. It's really disheartening.
Aaa
There really is not anything that I dislike about them. The only thing, if I really had to pick something, would be their hours. I do wish they had at least one to two days a week with longer hours at the main office in my town. That would be the only thing. Sometimes, if I am working late and need to stop in, it would be nice if they were open longer. But even that is minor considering everything else.
State Farm
I don't like being bothered a lot. State Farm only contacts me with important information. I never have to worry about getting a bunch of junk mail or spam from them. I know that whenever they attempt to contact me, it's about a relevant subject.

Simsbury, CT Homeowners Insurance By Home Value

Simsbury, CT Home Value Total Homes % of Total Average Simsbury, CT Homeowners Insurance
Less than $50,000 84 1.0% $62
$100,000 to $124,999 98 1.0% $284
$125,000 to $149,999 211 4.0% $355
$150,000 to $174,999 188 3.0% $417
$175,000 to $199,999 260 5.0% $479
$200,000 to $249,999 690 13.0% $577
$250,000 to $299,999 1,193 23.0% $710
$300,000 to $399,999 2,342 46.0% $905

Top Home Insurance Agents Near Simsbury, CT

Home Insurance Company Near Simsbury, CT Homeowners Insurance Agency Near Simsbury, CT Address
Liberty Mutual Independent Berkshire Insurance Group 66 West Street, Pittsfield, MA, 1201
Travelers Berry Insurance Associates 1052 NEW BRITAIN AVE, WEST HARTFORD, CT, 6110
Liberty Mutual Independent Ciardiello Insurance Agency 2725 WHITNEY AVE, HAMDEN, CT, 6518
Liberty Mutual Peter Pietrini 35 Corporate Dr., Trumbull, CT, 6611
State Farm Ron Huston 51 E Main St, Avon, CT, 06001-3821

Cost Of Homeowners Insurance By Street Near Simsbury, CT

Streets in Simsbury Area Homeowners Insurance Cost
Westminster Cartway, Meadow Xing, Stockade Rd, Musket Trl, Alder Rd, Cardinal Rd, State Hwy 309, Tarriffville Rd, Stebbins Brook Ln, Barry Ln$882
Tamarack Ln, Saxton Brook Dr, Anja Dr, Lostbrook Rd, Woodland Pl, Drumlin Rd, Fox Den Rd, Gates Ln, Kings Rd, Riverview Cir$878
Nod Brook Dr, Ely Pl, Virginia Ln, Fawnbrook Ln, Owens Brook Blvd, Daniel Ln, The Butterchurn, Tim Clark Cir, Daden Ln, Cobtail Way$880
White Pine Ter, Powder Forest Dr, Litchfield Dr, W Mary Dr, Evergreen Dr, Joyce Ln, Grimes Brook Pl, Shaw Dr, Stratton Brook Rd, Fairchild Rd$873
Kelly Farm Rd, Northfield Rd, Hedgehog Ln, Surry Cir, Rockspray Ln, Apple Ln, McLean St, King Philip Rd, Old Canal Way, Vining Dr$904

Simsbury, CT Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Simsbury$132 to $135
West Simsbury$137
Simsbury Center$131
Weatogue$132

Simsbury, 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
West Simsbury CDP, Connecticut $137 $182 $273
Simsbury Center CDP, Connecticut $131 $175 $263
Weatogue CDP, Connecticut $133 $177 $266

Simsbury, 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
Simsbury, CT3%7.4%
West Simsbury2.74%7.61%
Simsbury Center3.11%7.28%
Weatogue3.13%7.47%

Simsbury Renters Insurance as a Percentage of Rent

Simsbury Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 16 1.0% $775
$300 to $499 48 4.0% $1225
$500 to $749 74 6.0% $1900
$750 to $999 314 27.0% $2650
$1,000 to $1,499 505 43.0% $3775
$1,500 or more 205 17.0% $5425

Simsbury, CT Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,800$3,800
Yearly Simsbury Homeowner Insurance Premium Example $3,300$2,900
Out of Pocket Expense During Claim$1,800$3,800
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $24,900$24,100
Net Savings to Simsbury Home Owner from High Deductible Plan $800

Simsbury, CT Home Insurance Costs With Home Replacement Value Scenarios

Scenario Simsbury, CT Home Replacement Value MORE than Home Value Simsbury, CT Home Replacement Value LESS than Home Value
Replacement Value $432,000 $319,500
Insurance Premium based on Replacement Value $3,500 $2,575
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $43,500 Risk Exposure from Under Insuring Coverage is $69,000
Premium Impact Insurance cheaper by $550/year Insurance costlier by $375/year

Example Simsbury Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Chubb Group of InsuranceState FarmFarmers Insurance
Monthly Premium 206327299
Year Built 194219931962
Home Details 3 Beds, 1 Baths4 Beds, 3 Baths5 Beds, 2 Baths
Coverage Amount $350000-$400000$400000-$500000$400000-$500000
Deductible $2500-$5000 Deductible$2500-$5000 Deductible$500- $1000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1961 380,000 Asphalt Shingles Roof 2,200 3 > $10,000 Deductible 1080 5 Fiber-Cement Siding yes
1974 260,000 Composition Roof 1,350 3 > $10,000 Deductible 110 1 Brick siding No
1963 555,000 Wood Shake Roof 2,940 4 $500 Deductible 430 1 Stone Siding No
1966 395,000 Shingles Roof 2,020 4 $1000-$2500 Deductible 610 2 Stucco siding No
1982 475,000 Tile Roof 3,090 5 > $10,000 Deductible 1020 4 Stone Siding yes
1965 290,000 Slate Shingles Roof 1,600 3 $500- $1000 Deductible 1980 8 Wood siding No
1943 235,000 Slate Shingles Roof 1,650 3 $500- $1000 Deductible 670 4 Vinyl siding yes
1947 445,000 Slate Shingles Roof 2,770 4 $500 Deductible 1340 3 Stone Siding yes
1969 360,000 Tile Roof 1,970 5 > $10,000 Deductible 570 4 Fiber-Cement Siding No
1996 295,000 Asphalt Shingles Roof 2,050 3 $5000 to $10,000 Deductible 530 3 Fiber-Cement Siding No
1996 245,000 Wood Shake Roof 1,200 3 $1000-$2500 Deductible 1280 6 Wood siding yes
1973 590,000 Wood Shake Roof 3,540 5 $500 Deductible 2480 5 Brick siding yes
1976 240,000 Slate Shingles Roof 1,620 5 $500 Deductible 200 1 Brick siding No
1979 715,000 Asphalt Shingles Roof 3,920 5 > $10,000 Deductible 1560 4 Wood siding yes
1988 310,000 Membrane Roof 1,530 3 $500 Deductible 210 1 Fiber-Cement Siding yes
1996 225,000 Wood Shake Roof 1,510 3 $5000 to $10,000 Deductible 210 2 Stucco siding yes
1997 565,000 Slate Shingles Roof 3,240 4 $5000 to $10,000 Deductible 3140 7 Fiber-Cement Siding yes
1949 795,000 Wood Shake Roof 4,650 5 > $10,000 Deductible 2510 8 Fiber-Cement Siding yes
1960 270,000 Asphalt Shingles Roof 1,400 3 $2500-$5000 Deductible 430 3 Stone Siding yes
1994 305,000 Wood Shake Roof 2,070 3 $5000 to $10,000 Deductible 1440 7 Brick siding No
1999 305,000 Membrane Roof 1,520 3 $500- $1000 Deductible 220 1 Stucco siding yes
1941 575,000 Metal Roof 3,570 5 $500- $1000 Deductible 1950 4 Wood siding No
1942 480,000 Shingles Roof 2,590 4 $5000 to $10,000 Deductible 2210 9 Vinyl siding No
1941 430,000 Asphalt Shingles Roof 3,000 4 $500 Deductible 420 1 Brick siding No
1971 635,000 Tile Roof 3,400 4 $5000 to $10,000 Deductible 2880 7 Stone Siding yes
1968 275,000 Metal Roof 1,660 3 $2500-$5000 Deductible 1140 8 Fiber-Cement Siding yes
1972 240,000 Membrane Roof 1,710 5 $2500-$5000 Deductible 1150 8 Fiber-Cement Siding yes
1942 690,000 Wood Shake Roof 4,820 5 $500- $1000 Deductible 5230 10 Stucco siding No
1983 270,000 Membrane Roof 1,820 4 $2500-$5000 Deductible 1110 7 Vinyl siding yes
1965 265,000 Metal Roof 1,810 4 > $10,000 Deductible 1140 12 Brick siding yes
1967 295,000 Tile Roof 2,090 4 > $10,000 Deductible 1140 12 Brick siding No
1968 630,000 Tile Roof 4,310 5 > $10,000 Deductible 490 2 Stucco siding No
1974 400,000 Wood Shake Roof 2,720 4 $500- $1000 Deductible 1040 5 Stucco siding yes
1962 270,000 Tile Roof 1,430 3 $5000 to $10,000 Deductible 160 1 Stone Siding yes