Average homeowners insurance cost in New Haven, CT

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In New Haven, homeowners pay an average annual rate of $2,642 for a coverage level that includes $300,000 for dwelling, $100,000 for liability protection, and a $1,000 deductible, according to Insure.com’s rate analysis. This is $138 more than the national average of $2,504.

Homeowners insurance premiums can vary significantly from one property to another. In New Haven, the cost of home insurance is influenced by several factors, including:

Size of your home
Age of your home
Amount of coverage required
Location
Your credit score

It’s crucial to compare quotes from multiple insurers to ensure you get the best homeowners insurance policy. This allows you to find the coverage that meets your specific needs.

Read this guide to discover the monthly homeowners insurance cost in New Haven, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in New Haven.

Key takeaways

The average cost of homeowners insurance in New Haven is $2,642 per year.
National General Insurance is the cheapest homeowners insurance company in New Haven with an average annual premium of $1,391.
If you increase your dwelling coverage from $200,000 to $300,000, you will just have to pay $597 more a year for home insurance.

Average homeowners insurance cost in New Haven per month

According to Insure.com’s rate analysis, residents of New Haven pay an average of $220 per month for homeowners insurance. This is $36 more than the state average of $184 and $11 more than the national average for home insurance across the United States. The cost of your homeowners insurance policy in New Haven can vary depending on your location, property value, and selected coverage options.

Average homeowners insurance cost for a $200,000 house in New Haven

In New Haven, CT, homeowners pay an average of $2,045 annually for a $200,000 home. The annual cost of home insurance is influenced by factors such as the risk of natural disasters in your area.

Regions more susceptible to natural disasters, such as floods, hurricanes, or tornadoes, typically face higher rebuilding costs, leading to increased insurance premiums. It is important to understand that standard insurance policies might not cover damages caused by floods or hurricanes. If you live in a flood-prone area, it is advisable to purchase flood insurance.

Average homeowners insurance cost for a $300,000 house in New Haven

According to Insure.com’s rate analysis, homeowners in New Haven typically pay an average of $2,642 annually for a home insurance policy with $300,000 in dwelling coverage, $100,000 in liability protection, and a $1,000 deductible.

If you increase your dwelling coverage from $200,000 to $300,000, your home insurance rates will rise by $597. It is advisable to purchase enough insurance to cover the entire cost of rebuilding your home. The required amount of dwelling coverage can vary based on factors such as the size of your home, its features, and the cost of living in your area.

Average homeowners insurance cost in New Haven by company

Among the carriers analyzed, National General Insurance is the most affordable homeowners insurance company in New Haven, offering an average annual rate of $1,391.

State Farm ranks second, while Amica Mutual holds the third spot with an average annual rate of $2,233.

Researching a company thoroughly before selecting a homeowners insurance policy is essential. Insure.com has meticulously reviewed all insurance companies operating in New Haven and compiled a list of the most affordable options.

Below are the details of home insurance companies in New Haven and their average annual premiums.

Home Insurance Company	Annual rate
National General Insurance	$1,391
State Farm	$1,814
Chubb Ltd	$2,914
American Family	$2,930
Farmers	$3,173
Travelers	$5,743
Amica Mutual	$2,233
USAA*	$2,075

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in New Haven for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.