Winsted Insurance Rates:

Winsted, CT homeowners insurance is approximately $708 to $962, about $59-$80/month. Our complete analysis reveals consumers can save as much as $333 by getting multiple quotes. Enter your zipcode below and click “GO” to get multiple free quotes.

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Winsted, CT Homeowners Insurance By Home Value

Winsted, CT Home Value Total Homes % of Total Average Winsted, CT Homeowners Insurance
Less than $50,000 17 1.0% $108
$80,000 to $89,999 36 2.0% $383
$90,000 to $99,999 73 4.0% $433
$100,000 to $124,999 125 7.0% $500
$125,000 to $149,999 192 12.0% $625
$150,000 to $174,999 289 18.0% $742
$175,000 to $199,999 375 23.0% $859
$200,000 to $249,999 275 17.0% $1034
$250,000 to $299,999 125 7.0% $1259
$300,000 to $399,999 84 5.0% $1609

Top Home Insurance Agents Near Winsted, CT

Home Insurance Company Near Winsted, CT Homeowners Insurance Agency Near Winsted, CT Address
NA Ideal Insurance Agency 187 East Street, Ludlow, MA, 1056
Allstate Bruce Elias 1534 Route 52, Fishkill, NY, 12524
Liberty Mutual Independent Connecticut Casualty Co 1 WHITING ST, PLAINVILLE, CT, 6062
Travelers Premier Marketing Group Llc 675 BERLIN TURNPIKE, BERLIN, CT, 6037
State Farm Thomas Hull 182 Aaron Ct, Kingston, NY, 12401-2962

Cost Of Homeowners Insurance By Street Near Winsted, CT

Streets in Winsted Area Homeowners Insurance Cost
Litchfield Ave, Royer St, Kittredge Ln, Finn St, Allen St, Gay St, State Hwy 263, Cordano Rd, Rowley Pond Rd, Holmes Rd$835
Morningside Ave, Boyd St, Mountain View Ter, Carey Ave, Palmer Ave, Carey Rd, Hurlbut St, Kingsbury St, Forest Ave, John St$852
Wahnee Rd, Old Colebrook Rd, Case Ave, Winchester Ave, Wassau Rd, Newfield Rd, Rebillard Rd, Spring St, Vera Rd, Woodruff Ave$834
Goodwin Dr, Weigold Rd, Hinsdale Ave, E Lake St, Mathew Rd, Park Pl, Ann St, Winchester Rd, Division St, Fairview Ave$844
Lincoln Ave, Hosley Rd, Benton St, Grantville Rd, Central Ave, Nanni Dr, Mountain Ave, Gaylord Rd, Pratt St, Nalette Dr$836

Winsted, CT Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Winsted$124 to $127
Winchester$125
Barkhamsted$129
Colebrook$130

Winsted, 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
Winchester town, Litchfield County, Connecticut $125 $167 $251
Barkhamsted town, Litchfield County, Connecticut $130 $173 $260
Colebrook town, Litchfield County, Connecticut $131 $174 $261

Winsted, 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
Winsted, CT3.9%9.5%
Winchester3.99%8.77%
Barkhamsted3.78%9.96%
Colebrook3.5%9.93%

Winsted Renters Insurance as a Percentage of Rent

Winsted Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 29 2.0% $349
$200 to $299 78 5.0% $799
$300 to $499 99 7.0% $1249
$500 to $749 271 19.0% $1924
$750 to $999 362 26.0% $2674
$1,000 to $1,499 421 30.0% $3799
$1,500 or more 106 7.0% $5449

Winsted, CT Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Deductible$1,600$2,600
Yearly Winsted Homeowner Insurance Premium Example $1,200$1,000
Out of Pocket Expense During Claim$1,600$2,600
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $11,200$10,600
Net Savings to Winsted Home Owner from High Deductible Plan $600

Winsted, CT Home Insurance Costs With Home Replacement Value Scenarios

Scenario Winsted, CT Home Replacement Value MORE than Home Value Winsted, CT Home Replacement Value LESS than Home Value
Replacement Value $203,000 $164,500
Insurance Premium based on Replacement Value $2,225 $1,800
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $18,500 Risk Exposure from Under Insuring Coverage is $20,000
Premium Impact Insurance cheaper by $200/year Insurance costlier by $225/year

Example Winsted Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company AllstateNationwide InsuranceState Farm
Monthly Premium 128117227
Year Built 196719431986
Home Details 5 Beds, 3 Baths2 Beds, 1 Baths4 Beds, 2 Baths
Coverage Amount $200000-$250000$125000-$150000$250000-$300000
Deductible $5000 to $10,000 Deductible$500- $1000 Deductible$1000-$2500 Deductible

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

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1967 135,000 Shingles Roof 1,230 2 $2500-$5000 Deductible 1440 12 Stucco siding No
1948 160,000 Slate Shingles Roof 1,590 3 $1000-$2500 Deductible 690 6 Fiber-Cement Siding No
1963 160,000 Shingles Roof 1,620 2 $500- $1000 Deductible 560 6 Wood siding No
1962 165,000 Membrane Roof 1,810 3 $5000 to $10,000 Deductible 310 4 Fiber-Cement Siding yes
1943 225,000 Wood Shake Roof 2,070 3 $1000-$2500 Deductible 130 1 Vinyl siding No
1963 145,000 Shingles Roof 1,590 3 $1000-$2500 Deductible 530 4 Fiber-Cement Siding yes
1949 255,000 Slate Shingles Roof 2,740 4 $1000-$2500 Deductible 240 2 Stucco siding No
1981 180,000 Asphalt Shingles Roof 2,010 4 $5000 to $10,000 Deductible 570 5 Vinyl siding No
1945 165,000 Asphalt Shingles Roof 1,440 2 $1000-$2500 Deductible 860 8 Stone Siding No
1947 210,000 Asphalt Shingles Roof 1,950 4 > $10,000 Deductible 120 1 Vinyl siding yes
1961 190,000 Asphalt Shingles Roof 1,800 3 $1000-$2500 Deductible 1300 10 Wood siding yes
1980 125,000 Composition Roof 1,150 2 $1000-$2500 Deductible 700 8 Brick siding yes
1947 320,000 Metal Roof 3,450 5 > $10,000 Deductible 130 1 Brick siding No
1941 365,000 Asphalt Shingles Roof 3,030 4 $1000-$2500 Deductible 620 2 Fiber-Cement Siding No
1949 195,000 Metal Roof 1,920 3 $2500-$5000 Deductible 570 6 Stone Siding yes
1987 135,000 Metal Roof 1,540 3 $500 Deductible 520 5 Stucco siding No
1969 145,000 Composition Roof 1,330 3 $2500-$5000 Deductible 650 9 Stone Siding No
1968 390,000 Asphalt Shingles Roof 3,210 4 $500- $1000 Deductible 2420 7 Stone Siding yes
1980 155,000 Wood Shake Roof 1,330 3 $500- $1000 Deductible 560 6 Wood siding yes
1960 320,000 Tile Roof 3,350 5 $5000 to $10,000 Deductible 310 2 Stucco siding No
1940 210,000 Tile Roof 1,900 3 $500 Deductible 1740 9 Fiber-Cement Siding yes
1940 120,000 Slate Shingles Roof 980 2 $1000-$2500 Deductible 180 2 Brick siding yes
1964 210,000 Tile Roof 1,990 4 $1000-$2500 Deductible 360 2 Brick siding No
1963 220,000 Membrane Roof 1,890 3 $5000 to $10,000 Deductible 1490 9 Wood siding No
1981 155,000 Composition Roof 1,590 3 $5000 to $10,000 Deductible 260 4 Fiber-Cement Siding yes
1949 150,000 Composition Roof 1,430 3 $500- $1000 Deductible 700 6 Stone Siding yes
1986 615,000 Asphalt Shingles Roof 4,900 5 $5000 to $10,000 Deductible 1140 4 Fiber-Cement Siding No
1968 140,000 Shingles Roof 1,370 3 $1000-$2500 Deductible 860 9 Wood siding No
1983 255,000 Wood Shake Roof 2,860 4 $500- $1000 Deductible 1200 6 Brick siding No
1948 215,000 Shingles Roof 1,800 2 $1000-$2500 Deductible 1620 12 Wood siding No
1980 155,000 Metal Roof 1,460 3 $500 Deductible 680 5 Brick siding No
1984 225,000 Slate Shingles Roof 2,170 5 > $10,000 Deductible 200 2 Fiber-Cement Siding yes
1946 275,000 Composition Roof 2,300 5 $2500-$5000 Deductible 730 4 Vinyl siding No
1988 280,000 Tile Roof 3,340 5 $500 Deductible 2370 9 Fiber-Cement Siding No