Waterford Insurance Rates:

Waterford, CT homeowners insurance is approximately $735 to $999, about $61-$83/month. Our extensive research shows customers can save upto $346 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Latest Home Insurance Reviews

Geico
In the case of any claims, they are prompt and through with their investigation and their claims specialists are absolutely the best.
Liberty Mutual
When they say you have to pay premiums, be expected to pay for the premiums. the fine print did not cover for any damages that i thought was covered under my basic home protection package. i ended up paying out of pocket when i had to re-shingle the garage portion of my house after a big storm knocked a small tree onto my roof.
State Farm
Then, they followed up with me in an email to make sure i was satisfied and didn't have anything else that i needed help with. that is good customer service.
Allstate
I think most insurance companies are similar. They need to make a profit and they can only do so much.
State Farm
I dislike that you cannot get directly to customer service through the app or the webpage. I think it would be easier if you could get connected to the website for 24 hours.
State Farm
I have never used the claiming process just yet but I think it would be a smooth and easy situation
Allstate
They don't care about customers. They just want you to pay the premium and then go away. Give them your money and don't ever file a claim.

Waterford, CT Homeowners Insurance By Home Value

Waterford, CT Home Value Total Homes % of Total Average Waterford, CT Homeowners Insurance
Less than $50,000 121 2.0% $69
$100,000 to $124,999 153 2.0% $338
$125,000 to $149,999 171 3.0% $424
$150,000 to $174,999 338 6.0% $502
$175,000 to $199,999 487 9.0% $572
$200,000 to $249,999 1,318 24.0% $693
$250,000 to $299,999 1,169 21.0% $849
$300,000 to $399,999 1,550 28.0% $1075

Top Home Insurance Agents Near Waterford, CT

Home Insurance Company Near Waterford, CT Homeowners Insurance Agency Near Waterford, CT Address
Nationwide Doyle Miles & Sokol 139 Hazard Ave, Enfield, CT, 6082
Liberty Mutual Melissa Shannon 2 Bridgewater Road Ste. 201, Farmington, CT, 6032
Travelers Neefus-Stype Agency Inc 711 UNION AVE, AQUEBOGUE, NY, 11931
Liberty Mutual Stephen Burlingame Lutcf 95 Glastonbury Blvd. Ste 204, Glastonbury, CT, 6033
Liberty Mutual Independent The Stone Agency-Guilford 35 BOSTON ST, GUILFORD, CT, 6437

Cost Of Homeowners Insurance By Street Near Waterford, CT

Streets in Waterford Area Homeowners Insurance Cost
Longview St, Sunshine Rd, Dimmock Rd, Niles Hill Rd, Beach St, Wild Rose Ave, N Ridge Rd, Tiffany Ave, 8th Ave, Grabner Dr$845
Roseleah Dr, Wadsworth Ln, Fog Plain Rd, Crown St, Broad View Ct, Summer Rest Rd, Maple Ct, Greentree Dr, Caroline Ct, Larsen St$871
Lee Rd, Douglas Ln, Sandy Hollow Dr, Leonard Rd, Mill Ln, Highland Dr, Warwick Ter, Old Great Neck Rd, Doyle Rd, Lindross Ln$863
Woodlawn Ct, Foster Rd, Granite Ct, Northwood Rd, Padgett Pl, Westcot Rd, Miller Ave, Perry Ave, Cross Rd, Fog Plain Rd$866
Cozy Ct, Stoneheights Dr, Mohegan Ave Pkwy, Konomoc Ave, Red Cedar Ave, Vivian St, Miner Ct, Maple Ter, Jonathan Law Ct, Sunnieside Ct$879

Waterford, CT Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Waterford$129 to $132
New London$125
Niantic$130
East Lyme$132

Waterford, 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
New London city, Connecticut $125 $167 $251
Niantic CDP, Connecticut $131 $174 $261
East Lyme town, New London County, Connecticut $132 $176 $264

Waterford, 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
Waterford, CT3.7%10.2%
New London4.04%9.68%
Niantic4.18%8.29%
East Lyme3.46%9.0%

Waterford Renters Insurance as a Percentage of Rent

Waterford Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$200 to $299 19 1.0% $785
$300 to $499 50 4.0% $1235
$500 to $749 130 12.0% $1910
$750 to $999 292 28.0% $2660
$1,000 to $1,499 332 32.0% $3785
$1,500 or more 211 20.0% $5435

Waterford, CT Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,000$3,000
Yearly Waterford Homeowner Insurance Premium Example $3,300$2,800
Out of Pocket Expense During Claim$1,000$3,000
Total Home Insurance Premium for 7 years + Out of Pocket Expense for Claim $24,100$22,600
Net Savings to Waterford Home Owner from High Deductible Plan $1,500

Waterford, CT Home Insurance Costs With Home Replacement Value Scenarios

Scenario Waterford, CT Home Replacement Value MORE than Home Value Waterford, CT Home Replacement Value LESS than Home Value
Replacement Value $331,500 $235,000
Insurance Premium based on Replacement Value $3,050 $2,150
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $58,500 Risk Exposure from Under Insuring Coverage is $38,000
Premium Impact Insurance cheaper by $350/year Insurance costlier by $550/year

Example Waterford Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateFarmers InsuranceTravelers
Monthly Premium 191332162
Year Built 197619831940
Home Details 2 Beds, 1 Baths5 Beds, 2 Baths3 Beds, 2 Baths
Coverage Amount $200000-$250000$400000-$500000$250000-$300000
Deductible $500 Deductible$2500-$5000 Deductible$5000 to $10,000 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1964 625,000 Asphalt Shingles Roof 3,670 5 $2500-$5000 Deductible 2310 7 Stucco siding yes
1969 235,000 Asphalt Shingles Roof 1,960 3 $2500-$5000 Deductible 380 3 Stone Siding No
1973 685,000 Composition Roof 4,960 5 $500- $1000 Deductible 2110 4 Vinyl siding No
1991 470,000 Asphalt Shingles Roof 2,930 5 > $10,000 Deductible 680 4 Stone Siding yes
1949 225,000 Shingles Roof 1,580 3 $5000 to $10,000 Deductible 720 8 Wood siding No
1949 165,000 Tile Roof 1,310 3 $500 Deductible 890 7 Stucco siding No
1941 240,000 Asphalt Shingles Roof 1,400 2 $1000-$2500 Deductible 1000 6 Brick siding yes
1982 585,000 Membrane Roof 3,620 5 $5000 to $10,000 Deductible 590 2 Wood siding No
1969 370,000 Metal Roof 2,940 5 $5000 to $10,000 Deductible 2110 10 Brick siding No
1998 380,000 Metal Roof 2,650 4 $500 Deductible 2310 8 Stucco siding No
1987 440,000 Wood Shake Roof 2,880 4 $2500-$5000 Deductible 2170 8 Stone Siding No
1963 210,000 Shingles Roof 1,620 2 $500- $1000 Deductible 1580 10 Stone Siding No
1993 195,000 Composition Roof 1,370 3 $1000-$2500 Deductible 400 4 Vinyl siding No
1944 435,000 Shingles Roof 2,490 4 $1000-$2500 Deductible 710 2 Fiber-Cement Siding yes
1943 155,000 Asphalt Shingles Roof 1,320 2 $500 Deductible 750 7 Fiber-Cement Siding No
1945 205,000 Membrane Roof 1,510 3 $2500-$5000 Deductible 1180 7 Fiber-Cement Siding yes
1965 345,000 Wood Shake Roof 2,580 5 > $10,000 Deductible 2120 12 Fiber-Cement Siding No
1985 330,000 Metal Roof 2,250 3 $5000 to $10,000 Deductible 2220 9 Fiber-Cement Siding No
1981 290,000 Tile Roof 2,080 4 $1000-$2500 Deductible 1660 8 Fiber-Cement Siding No
1940 550,000 Asphalt Shingles Roof 3,710 5 $500 Deductible 980 3 Stone Siding yes
1988 205,000 Composition Roof 1,620 2 > $10,000 Deductible 120 1 Fiber-Cement Siding yes
1982 260,000 Shingles Roof 1,790 2 $5000 to $10,000 Deductible 890 6 Wood siding No
1969 165,000 Wood Shake Roof 1,220 3 $500 Deductible 340 2 Wood siding No
1940 180,000 Composition Roof 1,050 2 $500 Deductible 580 4 Stucco siding No
1991 145,000 Asphalt Shingles Roof 930 2 $2500-$5000 Deductible 700 10 Vinyl siding yes
1970 290,000 Metal Roof 1,710 3 $5000 to $10,000 Deductible 1090 7 Fiber-Cement Siding No
1977 355,000 Wood Shake Roof 2,120 3 $1000-$2500 Deductible 670 4 Stone Siding yes
1997 195,000 Slate Shingles Roof 1,570 3 $500 Deductible 1990 9 Brick siding No
1972 235,000 Metal Roof 1,590 5 $1000-$2500 Deductible 1420 8 Vinyl siding No
1991 270,000 Asphalt Shingles Roof 1,540 2 $5000 to $10,000 Deductible 490 3 Wood siding No
1986 345,000 Membrane Roof 2,910 4 > $10,000 Deductible 870 5 Stucco siding yes
1990 335,000 Asphalt Shingles Roof 2,770 5 $500 Deductible 1350 4 Stucco siding No
1965 295,000 Wood Shake Roof 1,850 3 > $10,000 Deductible 240 3 Stone Siding No
1979 310,000 Asphalt Shingles Roof 2,440 5 $2500-$5000 Deductible 410 2 Stone Siding No