Stamford ,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 Stamford, 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 Stamford, CT is $1769. Enter your zipcode below and click “GO” to get multiple free quotes.
It is important to understand the different coverage options available in Stamford, CT. VHome Insurance will help you navigate the world of homeowners insurance coverages in Stamford, CT.
| Coverage Level | Average Annual Premium |
|---|---|
| $100,000 | $708 |
| $200,000 | $1,203 |
| $300,000 | $1,486 |
| $400,000 | $2,264 |
| $500,000 | $2,848 |
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 Stamford, CT, and how to choose the right one for your needs.
| Deductible Level | Average Annual Premium |
|---|---|
| $500 Deductible | $1,814 |
| $1000 Deductible | $1,622 |
| $1500 Deductible | $1,530 |
| $2500 Deductible | $1,380 |
| $5000 Deductible | $1,168 |
| Home Insurance Company Near Stamford, CT | Homeowners Insurance Agency Near Stamford, CT | Address |
|---|---|---|
| NA | Capacity Group Of New York Llc | 1983 Marcus Ave 1983 Marcus Ave , New Hyde Park, NY, 11042 |
| Allstate | Anthony Menniti | 3805 E Tremont Ave, Bronx, NY, 10465 |
| Travelers | Daniel F A Palmieri | 46 CARRIAGE CT, JERICHO, NY, 11753 |
| State Farm | Jim Salveson | 2604 Route 112, Medford, NY, 11763-2581 |
| Allstate | John Sheren | 691 Route 25A, Miller Place, NY, 11764 |
| Place | 1 Car Bundle Savings On Insurance | 2 Car Bundle Savings On Insurance | 3 Car Bundle Savings On Insurance |
|---|---|---|---|
| Cos Cob CDP, Connecticut | $136 | $181 | $271 |
| Darien CDP, Connecticut | $138 | $184 | $276 |
| Riverside CDP, Connecticut | $138 | $184 | $276 |
| Place | Home insurance as a % of housing cost for homes with mortgage | Home insurance as a % of housing cost for homes without mortgage |
|---|---|---|
| Stamford, CT | 2.7% | 7.9% |
| Cos Cob | 2.47% | 9.02% |
| Darien | 2.3% | 9.2% |
| Riverside | 2.3% | 9.2% |
| Stamford Home By Monthly Rent | Total Homes | % of Total | Estimated Monthly Income To Afford Rented House Including Renters Insurance |
|---|---|---|---|
| Less than $200 | 246 | 1.0% | $297 |
| $200 to $299 | 440 | 2.0% | $747 |
| $300 to $499 | 668 | 3.0% | $1197 |
| $500 to $749 | 911 | 4.0% | $1872 |
| $750 to $999 | 1,739 | 8.0% | $2622 |
| $1,000 to $1,499 | 6,010 | 30.0% | $3747 |
| $1,500 or more | 9,782 | 49.0% | $5397 |
| Streets in Stamford Area | Homeowners Insurance Cost |
|---|---|
| Richmond Hill Ave, Bartlett Ln, Bedford St, Cady St, Oxford Ct, Crystal St, Woodbury Ave, Newfield Ct, Vine Rd, Riding Stable Trl | $937 |
| Selleck St, Deep Spring Ln, Fairgate Dr, Colonial Rd, Hidden Brook Dr, Saddle Hill Rd, Ridgecrest Rd, Ocean Dr W, Madison Pl, Evergreen Ct | $903 |
| Big Oak Rd, Dads Ln, Toms Rd, Rolling Wood Dr, Wynover Ln N, Caldwell Ave, Davenport Ridge Rd, McClean Ave, Brook Run Ln, Corbo Ter | $968 |
| Wake Robin Ln, Glendale Cir, Ralsey Rd, Mercedes Ln, Cook Rd, Deep Valley Rd, Davenport Farm Ln S, Haviland Dr, Vista St, Ridge Brook Dr | $1,049 |
| Settlers Trl, White Birch Ln, Edice Rd, Vassar Ave, Overbrook Dr, Hackett Cir N, Erickson Dr, Havemeyer Ln, Joffre Ct, Belltown Rd | $913 |
| Deacon Hill Rd, Revere Dr, Ridgewood Ave, Bonny Glen Rd, W Hill Cir, Meredith Ln, Lawn Ave, Willard Ter, Crane Rd N, Northill St | $891 |
| Walter Wheeler Dr, Seaside Ave, Algonquin Ave, General Waterbury Ln, Harborview Ave, Acre View Dr, Pacific St, Wenzel Ter, Dale St, Whittaker St | $921 |
| Maltbie Ave, Jessup St, Ursula Pl, Hirsch Rd, Taylor Reed Pl, Woodrow St, Blackwood Ln, Annie Pl, Taconic Rd, Quails Trl | $963 |
| Mayapple Rd, Hemlock Dr S, Overhill Rd, Seaton Rd, Cummings Point Rd, Lanark Rd, Holly Cove Cir, River View Dr, Davenport Farm Ln E, Wallace St | $886 |
| Quarry Rd, Duke Dr, Canfield Dr, Tower Ave, Goodwin St, Finch St, Skyline Ln, Cedar Cir, Euclid Ave, Stillwater Rd | $963 |
| Place | Savings For Senior Occupied Homes |
|---|---|
| Stamford | $142 to $145 |
| Cos Cob | $162 |
| Darien | $165 |
| Norwalk | $138 |
| Low Deductible | High Deductible | |
|---|---|---|
| Deductible | $1,300 | $4,300 |
| Yearly Stamford Homeowner Insurance Premium Example | $5,800 | $4,300 |
| Out of Pocket Expense During Claim | $1,300 | $4,300 |
| Total Home Insurance Premium for 3 years + Out of Pocket Expense for Claim | $18,700 | $17,200 |
| Net Savings to Stamford Home Owner from High Deductible Plan | $1,500 | |
| Scenario | Stamford, CT Home Replacement Value MORE than Home Value | Stamford, CT Home Replacement Value LESS than Home Value |
|---|---|---|
| Replacement Value | $564,500 | $316,000 |
| Insurance Premium based on Replacement Value | $6,325 | $3,550 |
| Risk Exposure from Under Insuring Coverage | Unnecessary Home Insurance Coverage of $135,500 | Risk Exposure from Under Insuring Coverage is $113,000 |
| Premium Impact | Insurance cheaper by $1,275/year | Insurance costlier by $1,500/year |
| Insurance Company | Allstate | GEICO Insurance | Nationwide Insurance |
| Monthly Premium | 353 | 320 | 319 |
| Year Built | 1965 | 1987 | 1973 |
| Home Details | 3 Beds, 1 Baths | 5 Beds, 3 Baths | 4 Beds, 3 Baths |
| Coverage Amount | $350000-$400000 | $400000-$500000 | $500000-$600000 |
| Deductible | $500 Deductible | $500- $1000 Deductible | $5000 to $10,000 Deductible |