Waterbury Insurance Rates:

Waterbury, CT homeowners insurance is roughly $703 to $951, about $58-$79/month. Our in depth guide shows customers can save upto $330 by comparing many quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

Compare Quotes from Top Providers and Save now!

Latest Home Insurance Reviews

Allstate
Only had one theft happen in my home. allstate helped me receive the full value towards my lost items, leaving me with only the emotional trauma as opposed to a horrible nightmare.
State Farm
The only thing i do not like is that they are not local to me, in my town, so it is not convenient to me if i have to go see him in person for some reason.
State Farm
They are a well-established company and have a financial record that shows that will be able to cover claims pretty quickly
Nationwide
THE COMPANY HAS INFORMATION ON THE WEBSITE THAT I CAN USE OCCASIONALLY. SOMETIMES THE INFORMATION ON THE WEBSITE IS OF NO USE TO ME
Geico
They have the best communication I have ever seen, they are very responsive and friendly. I think the costs of premiums and other charges are much lower than average, they are well respected in society, and they give me what I need.

Waterbury, CT Homeowners Insurance By Home Value

Waterbury, CT Home Value Total Homes % of Total Average Waterbury, CT Homeowners Insurance
Less than $50,000 636 3.0% $123
$50,000 to $59,999 215 1.0% $272
$60,000 to $69,999 370 1.0% $338
$70,000 to $79,999 382 1.0% $388
$80,000 to $89,999 613 3.0% $437
$90,000 to $99,999 597 2.0% $495
$100,000 to $124,999 3,077 15.0% $569
$125,000 to $149,999 3,299 16.0% $710
$150,000 to $174,999 3,582 17.0% $842
$175,000 to $199,999 2,426 11.0% $974
$200,000 to $249,999 3,115 15.0% $1172
$250,000 to $299,999 1,320 6.0% $1437
$300,000 to $399,999 638 3.0% $1825

Top Home Insurance Agents Near Waterbury, CT

Home Insurance Company Near Waterbury, CT Homeowners Insurance Agency Near Waterbury, CT Address
NA Roy J. Lenzo 333 Route 25A Suite 150 , Rocky Point, NY, 11778
NA Jewell Professional Insurance, Llc 1436, Berlin, CT, 6037
NA J. W. Pray Insurance Agency, Inc 592 Route 22, Pawling, NY, 12564
NA Tierney Insurance Agency Inc 16 North Elm Street, Westfield, MA, 1085
Travelers Ion Insurance Corporation 24 Cherry St., Naugatuck, CT, 6770

Cost Of Homeowners Insurance By Street Near Waterbury, CT

Streets in Waterbury Area Homeowners Insurance Cost
Dallas Ave, Quarry Hill Rd, Merry St, Hidden Pond Dr, Sagamore Ave, Proctor St, Grilleytown Rd, Monterey St, Twining Ave, Sunnybrook Bend$825
Craftwood Rd, Regency Hill, Garden Hill Cir, S Oak St, Howard St, Alder St, Wayridge Cir, W Liberty St, Sharon Rd, Fairway Ln$815
Crosswinds Ln, Elise Dr, Boland Dr, Stowe Rd, Houston St, Malmalick Ave, Seymour St, Pullen Ave, Mapleridge Dr, Santa Maria Dr$828
Sandland Pl, Nina Ct, Barrington Ln, Rumford St, Maynard Ave, Bagley Ter, Rosemount Ave, N Leonard St, Parkland Ave, Denver Pl$813
Cronin Dr, Seymour St, Donald Ter, Junior St, Bonnie Ln, Yeaton St, Ridgeland Dr, Madison St, Alpine Ave, Lakewood Rd$826
Delhurst Dr, Columbia Blvd, Fairfield Ave, Rockhurst Dr, Blake St, Saddle Rock Rd, Laval St, Over St, Wesley St, Ives St$833
Mill Plain Ave, W Grove St, Valley View Dr, Brendan St, Essex Ave, Randall Pl, Golden Hill St, Hotchkiss St, Cables Ave, Wooster Ave$827
Truman Ave, Acra Rd, Dracut St, Campfield Rd, Pineridge Rd, Wayland Ave, Hereford Ave, Marion Ave, Chase Pkwy, Grove Ct$844
Willowledge Cir, Eastfield Rd, Southmayd Rd, Field St, Wigwam Ave, Chipman St, Harpers Ferry Rd, Roseland Ave, Arnold St, Reidville Dr$825
Clearview St, Brewery St, Sharon Rd, Tompkins St, Westport Dr, E Farm St, Brigham St, Holmes Ave, Simsbury St, Ferro Rd$820

Waterbury, CT Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Waterbury$123 to $126
Oakville$127
Wolcott$128
Naugatuck$126

Waterbury, 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
Oakville CDP, Connecticut $106 $141 $212
Wolcott town, New Haven County, Connecticut $107 $143 $214
Naugatuck borough, Connecticut $106 $141 $211

Waterbury, 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
Waterbury, CT4.1%8.9%
Oakville3.71%11.28%
Wolcott3.7%9.78%
Naugatuck3.84%8.87%

Waterbury Renters Insurance as a Percentage of Rent

Waterbury Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 907 4.0% $352
$200 to $299 882 4.0% $802
$300 to $499 1,269 6.0% $1252
$500 to $749 3,914 19.0% $1927
$750 to $999 6,618 32.0% $2677
$1,000 to $1,499 6,090 29.0% $3802
$1,500 or more 903 4.0% $5452

Waterbury, CT Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$600$2,600
Yearly Waterbury Homeowner Insurance Premium Example $1,500$1,000
Out of Pocket Expense During Claim$600$2,600
Total Home Insurance Premium for 5 years + Out of Pocket Expense for Claim $8,100$7,600
Net Savings to Waterbury Home Owner from High Deductible Plan $500

Waterbury, CT Home Insurance Costs With Home Replacement Value Scenarios

Scenario Waterbury, CT Home Replacement Value MORE than Home Value Waterbury, CT Home Replacement Value LESS than Home Value
Replacement Value $214,000 $160,500
Insurance Premium based on Replacement Value $2,075 $1,550
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $18,000 Risk Exposure from Under Insuring Coverage is $35,500
Premium Impact Insurance cheaper by $350/year Insurance costlier by $175/year

Example Waterbury Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company TravelersState FarmGEICO Insurance
Monthly Premium 107124128
Year Built 194219881997
Home Details 2 Beds, 1 Baths3 Beds, 2 Baths4 Beds, 1 Baths
Coverage Amount $175000-$200000$175000-$200000$250000-$300000
Deductible $5000 to $10,000 Deductible$500- $1000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1966 120,000 Tile Roof 1,470 2 $500- $1000 Deductible 780 10 Wood siding yes
1964 145,000 Tile Roof 1,750 2 $1000-$2500 Deductible 560 5 Vinyl siding No
1980 140,000 Wood Shake Roof 1,480 3 $500 Deductible 1320 9 Stone Siding No
1970 215,000 Composition Roof 2,740 4 $1000-$2500 Deductible 860 5 Stucco siding No
1994 210,000 Metal Roof 2,390 3 $2500-$5000 Deductible 250 2 Brick siding yes
1986 310,000 Metal Roof 3,000 4 $500- $1000 Deductible 830 3 Stone Siding yes
1975 95,000 Metal Roof 1,190 2 $500 Deductible 540 8 Brick siding No
1968 105,000 Wood Shake Roof 1,140 2 $2500-$5000 Deductible 220 4 Stone Siding yes
1977 350,000 Composition Roof 3,220 4 $500 Deductible 3440 9 Stone Siding No
1940 215,000 Wood Shake Roof 2,030 4 $2500-$5000 Deductible 1220 9 Wood siding yes
1971 160,000 Asphalt Shingles Roof 1,900 3 $500 Deductible 730 6 Vinyl siding yes
1949 115,000 Metal Roof 1,170 2 $500 Deductible 820 6 Fiber-Cement Siding yes
1977 105,000 Tile Roof 1,231 2 $1000-$2500 Deductible 740 8 Wood siding yes