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.

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Latest Home Insurance Reviews

To be quite honest, I have not shopped this around for about 5 years. I can't really speak to this right now. I believe I am getting a good rate but I am going to check it out!
Amica Mutual Insurance
Amica is great they are a good value for that piece of mind that all insurance companies say that they offer to your home.
I am very happy with the customer service dept, they walked my through the process when I filed a claim,very helpful.
Available 24/7, they do not pressure you into making purchases that are not necessary for your household. Great rates and widely known.
Safeco Insurance
I would, and do, happily recommend Safeco to anyone looking for homeowners insurance coverage, and recommend shopping around to compare rates even for those not looking to make a change.
State Farm
My agent is awesome! He calls you back asap n is so sweet. He has the best ladies working with him. We moved locations because of the amazing ladies.:)
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
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.
State Farm
I like that my local agent is awesome and takes the time to review my policies each year, at which time he will recommend changes if he thinks they are needed. I like that overall my insurance company has a strong reputation for excellent customer service, even if the premiums are a little higher than other companies may be.
Though the facilities are clear and clean it takes a long time to complete the work procedure. The long duration procedure is the only disadvantage of the company.
State Farm
The secretary is a little bit difficult to get ahold of when we need something but the agent seems to nearly always be available
I don't dislike anything about the company. Everything about this company works well and is customer friendly.
There really isn't anything to complain about or dislike. I could say the price, but they are very fair compared to what we've seen. I guess it could always be lower.
Good customer service, national recognition,
Liberty Mutual
I would recommend this company to a friend because I have been using them and am fairly satisfied with my plan. I of course would advise to serach around for what's best but also give Liberty a try.
State Farm
state farm has always been fair to me. they have not raised my rates in over several years. i like them and would recommend them.
I haven't had any major issues with my insurance, so in a sense they really haven't been tested in a crisis yet. But I think that I would probably recommend them to others.
I like this insurance company. their employees are very friendly and helpful, they will listen to you patiently. They do try to help.
I really like AAA, and that is why I didn't really bother calling other insurance companies to get additional quotes on home insurance. I like their car services, car insurance policy, available locations, and customer service.
State Farm
I preferred that they could cover more and protect more of my losses than they have loopholes and means to say no more than I like.
The rates seem a little high, but I didn't shop around much. They send lots of spam emails which is annoying, they send me offers on stuff I already have via snail mail which is also annoying
Narragansett Bay Insurance Company
So far, everything has been great. Their site could use some better personal information and preferences though.

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

Waterbury, CT Home Insurance Agents for Top Companies

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

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%

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
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
1969 195,000 Asphalt Shingles Roof 2,350 3 $1000-$2500 Deductible 600 4 Vinyl siding No
1981 135,000 Metal Roof 1,520 2 $500- $1000 Deductible 360 4 Wood siding No
1985 300,000 Membrane Roof 2,970 4 $2500-$5000 Deductible 390 2 Stone Siding No
1972 265,000 Wood Shake Roof 2,470 4 $1000-$2500 Deductible 1000 4 Stucco siding No
1978 110,000 Wood Shake Roof 1,210 3 $2500-$5000 Deductible 230 4 Stone Siding yes
1961 125,000 Membrane Roof 1,600 3 $1000-$2500 Deductible 80 1 Stone Siding No
1977 110,000 Asphalt Shingles Roof 1,180 2 $500- $1000 Deductible 630 9 Vinyl siding yes
1940 175,000 Wood Shake Roof 1,660 2 $2500-$5000 Deductible 1210 12 Wood siding yes
1948 180,000 Shingles Roof 1,870 3 $2500-$5000 Deductible 120 1 Fiber-Cement Siding yes
1963 115,000 Metal Roof 1,180 2 $500- $1000 Deductible 640 12 Fiber-Cement Siding No
1987 305,000 Composition Roof 2,930 4 $5000 to $10,000 Deductible 1230 7 Brick siding No
1976 185,000 Membrane Roof 2,230 4 $5000 to $10,000 Deductible 340 5 Fiber-Cement Siding No
1969 100,000 Wood Shake Roof 1,290 2 $500 Deductible 460 5 Stone Siding No
1961 200,000 Tile Roof 1,970 3 $1000-$2500 Deductible 1510 10 Stucco siding No
1985 205,000 Wood Shake Roof 2,100 4 $5000 to $10,000 Deductible 320 3 Wood siding yes
1980 85,000 Slate Shingles Roof 1,060 2 $2500-$5000 Deductible 320 7 Wood siding No
1991 330,000 Wood Shake Roof 2,950 4 $500- $1000 Deductible 520 2 Stucco siding yes
1975 230,000 Shingles Roof 2,360 3 $1000-$2500 Deductible 580 5 Brick siding yes
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

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