Waterbury Insurance Rates:

Waterbury ,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 Waterbury, 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 Waterbury, CT is $1548. Enter your zipcode below and click “GO” to get multiple free quotes.

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Home Insurance Companies in Waterbury, CT: Customer-Reviewed Options

 

Waterbury, CT Homeowners Insurance Rates by Coverage Level

It is important to understand the different coverage options available in Waterbury, CT. VHome Insurance will help you navigate the world of homeowners insurance coverages in Waterbury, CT.

Coverage Level Average Annual Premium
$100,000 $619
$200,000 $1,053
$300,000 $1,300
$400,000 $1,981
$500,000 $2,492

 

Waterbury, CT Homeowners Insurance Deductibles

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 Waterbury, CT, and how to choose the right one for your needs.

Deductible Level Average Annual Premium
$500 Deductible $1,587
$1000 Deductible $1,420
$1500 Deductible $1,339
$2500 Deductible $1,207
$5000 Deductible $1,022

 

 


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

Waterbury, CT Home Insurance Agents for Top Companies

 

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

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 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