Somers Insurance Rates:

Somers, CT homeowners insurance is nearly $747 to $1,017, about $62-$84/month. Our exhaustive analysis indicates shoppers can save as much as $352 by getting different quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Somers, CT Homeowners Insurance By Home Value

Somers, CT Home Value Total Homes % of Total Average Somers, CT Homeowners Insurance
$80,000 to $89,999 44 1.0% $229
$100,000 to $124,999 32 1.0% $291
$150,000 to $174,999 46 1.0% $441
$175,000 to $199,999 88 3.0% $502
$200,000 to $249,999 422 17.0% $608
$250,000 to $299,999 555 23.0% $740
$300,000 to $399,999 1,192 49.0% $943

Top Home Insurance Agents Near Somers, CT

Home Insurance Company Near Somers, CT Homeowners Insurance Agency Near Somers, CT Address
NA Gorman Insurance Agency, Inc. Po Box 838 Manchester, Perth, CT, 6045
State Farm Lauren Latorre-Osterling 38 Academy St, Madison, CT, 06443-2611
Travelers Mazzone Insurance Inc 195 WEST MAIN STREET ROUTE 44 SUITE 11, AVON, CT, 6001
Liberty Mutual Independent Montagno Insurance Agency 344 ROBBINS ST, WATERBURY, CT, 6708
Nationwide Paul J. Fitzgerald 1009 Main St, East Hartford, CT, 06108-2238

Cost Of Homeowners Insurance By Street Near Somers, CT

Streets in Somers Area Homeowners Insurance Cost
Polo View Rd, Shady Dell Ln, Grant Dr, Pioneer Hts, Cooksville Rd, Isabella Dr, Kibbe Grove Rd, Brow Hill Rd, Rose Haven Rd, Wrights Brook Dr$882
Pleasant View Dr, Northwest Dr, Turnpike Rd, Stillwater Ln, Old Hampden Rd, Schneider Rd, Blue Ridge Dr, Randall Dr, Mallard Cir, 9th District Rd$886
Lake Dr, Parson St, Springfield Rd, Hurlburt Rd, Brace Rd, Nutmeg Dr, Mulberry Ln, Winwood Cir, State Hwy 186, Goodwin Dr$877
Louise St, Colonial Dr, Horseshoe Ln, Cybulski Rd, Collins Rd, Green Tree Ln, Isaac Bradway Rd, Watchaug Rd, Piper Ln, Twinbrook Dr$877
Bugbee Ln, Pheasant Run Rd, Concord Ter, Billings Rd, Farm Lea Dr, Deerfield Rd, Cricket Ln, Bridle Path Dr, Deerfield St, Parker Rd$889

Somers, CT Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Somers$131 to $134
Hazardville$125
East Longmeadow$154
Enfield$126

Somers, 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
Hazardville CDP, Connecticut $105 $139 $209
East Longmeadow town, Hampden County, Massachusetts $129 $171 $257
Enfield town, Hartford County, Connecticut $105 $140 $210

Somers, 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
Somers, CT3.4%10.0%
Hazardville4.04%11.21%
East Longmeadow4.34%12.75%
Enfield3.92%10.56%

Somers Renters Insurance as a Percentage of Rent

Somers Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 17 6.0% $1228
$500 to $749 12 4.0% $1903
$750 to $999 30 11.0% $2653
$1,000 to $1,499 119 45.0% $3778
$1,500 or more 82 31.0% $5428

Somers, CT Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,200$6,200
Yearly Somers Homeowner Insurance Premium Example $3,400$2,400
Out of Pocket Expense During Claim$1,200$6,200
Total Home Insurance Premium for 6 years + Out of Pocket Expense for Claim $21,600$20,600
Net Savings to Somers Home Owner from High Deductible Plan $1,000

Somers, CT Home Insurance Costs With Home Replacement Value Scenarios

Scenario Somers, CT Home Replacement Value MORE than Home Value Somers, CT Home Replacement Value LESS than Home Value
Replacement Value $388,000 $248,500
Insurance Premium based on Replacement Value $3,675 $2,350
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $83,000 Risk Exposure from Under Insuring Coverage is $56,500
Premium Impact Insurance cheaper by $525/year Insurance costlier by $800/year

Example Somers Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Liberty MutualGEICO InsuranceAllstate
Monthly Premium 272417398
Year Built 198519951940
Home Details 3 Beds, 2 Baths4 Beds, 2 Baths5 Beds, 4 Baths
Coverage Amount $400000-$500000$500000-$600000$500000-$600000
Deductible $5000 to $10,000 Deductible$500 Deductible$500 Deductible

Sample Home Insurance Rates for Somers, 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 390,000 Shingles Roof 2,380 4 $500 Deductible 710 2 Stone Siding yes
1976 405,000 Shingles Roof 2,200 3 $1000-$2500 Deductible 760 2 Wood siding No
1964 250,000 Composition Roof 1,620 3 $500- $1000 Deductible 760 4 Wood siding yes
1944 405,000 Shingles Roof 2,820 5 $500 Deductible 680 3 Fiber-Cement Siding yes
2013 585,000 Slate Shingles Roof 3,150 5 > $10,000 Deductible 2030 8 Fiber-Cement Siding No
2014 365,000 Composition Roof 1,990 3 $1000-$2500 Deductible 2880 12 Stone Siding No
1944 340,000 Asphalt Shingles Roof 2,190 3 $5000 to $10,000 Deductible 740 4 Stucco siding No
1945 415,000 Shingles Roof 3,150 4 $1000-$2500 Deductible 790 3 Stucco siding yes
1998 525,000 Wood Shake Roof 2,680 4 $2500-$5000 Deductible 1400 4 Fiber-Cement Siding yes
1999 280,000 Shingles Roof 1,820 4 $500- $1000 Deductible 1770 7 Stone Siding yes
1981 390,000 Wood Shake Roof 2,260 4 $5000 to $10,000 Deductible 2020 12 Vinyl siding yes
1999 350,000 Membrane Roof 2,100 3 $2500-$5000 Deductible 210 1 Stucco siding No
2013 525,000 Membrane Roof 3,020 5 $500 Deductible 2470 6 Vinyl siding No
1996 555,000 Tile Roof 2,970 4 $500- $1000 Deductible 440 1 Vinyl siding No
1971 700,000 Metal Roof 4,530 5 $2500-$5000 Deductible 1720 6 Stone Siding yes
1992 320,000 Shingles Roof 2,120 3 $1000-$2500 Deductible 230 1 Fiber-Cement Siding yes
1998 455,000 Composition Roof 2,680 4 $2500-$5000 Deductible 3770 12 Stone Siding No
1971 525,000 Asphalt Shingles Roof 2,890 4 > $10,000 Deductible 630 3 Brick siding No
1987 300,000 Asphalt Shingles Roof 1,970 4 $1000-$2500 Deductible 620 4 Stucco siding yes
1986 290,000 Metal Roof 2,140 4 $2500-$5000 Deductible 430 3 Stone Siding No
1999 200,000 Metal Roof 1,470 3 $5000 to $10,000 Deductible 1560 12 Wood siding yes
2013 375,000 Asphalt Shingles Roof 2,150 3 > $10,000 Deductible 590 4 Stone Siding yes
1961 365,000 Asphalt Shingles Roof 2,620 4 > $10,000 Deductible 1410 10 Stone Siding No
1976 745,000 Shingles Roof 4,990 5 $5000 to $10,000 Deductible 1740 5 Vinyl siding No
1983 405,000 Membrane Roof 2,940 4 $1000-$2500 Deductible 1910 7 Vinyl siding No
1940 630,000 Metal Roof 4,030 5 $500 Deductible 3500 7 Wood siding yes
1981 415,000 Asphalt Shingles Roof 2,600 4 $2500-$5000 Deductible 730 3 Stucco siding No
1976 615,000 Tile Roof 3,130 5 > $10,000 Deductible 360 1 Stone Siding No
1999 270,000 Slate Shingles Roof 1,690 3 $500- $1000 Deductible 1430 8 Stone Siding No
1967 375,000 Slate Shingles Roof 1,960 5 $2500-$5000 Deductible 1840 7 Fiber-Cement Siding yes
1979 400,000 Shingles Roof 2,010 4 $500- $1000 Deductible 400 1 Stone Siding No
1991 430,000 Tile Roof 2,170 3 $1000-$2500 Deductible 1450 5 Vinyl siding No
1985 185,000 Shingles Roof 1,230 3 $1000-$2500 Deductible 210 2 Stone Siding No
1977 245,000 Composition Roof 1,830 3 $500 Deductible 1350 6 Stone Siding yes