Average homeowners insurance cost in Stamford, CT

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In Stamford, homeowners pay an average annual rate of $2,259 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 $245 less than the national average of $2,504.

Homeowners insurance premiums can vary significantly from one property to another. In Stamford, 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 Stamford, explore the insurance costs for different dwelling coverage, and find out which companies offer affordable home insurance in Stamford.

Key takeaways

In Stamford, homeowners insurance costs $2,259 annually.
National General Insurance offers the most affordable homeowners insurance in Stamford with an average annual premium of $1,229.
If you increase your dwelling coverage from $200,000 to $300,000, your annual home insurance premium will be $489 higher.

Average homeowners insurance cost in Stamford per month

Stamford homeowners pay an average of $188 a month, based on our rate analysis. It’s $4 more than the state average of $184 and $21 less than the national average for home insurance across the United States. The price of your homeowners insurance policy in Stamford may vary depending on where you live, the value of your home, and the coverage you choose.

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

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $1,770 per year in Stamford, CT. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage.

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

As per rate analysis by Insure.com, homeowners residing in Stamford typically pay an average of $2,259 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $489 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Stamford by Company

Among the carriers analyzed, National General Insurance is the cheapest homeowners insurance company in Stamford. It’s average annual rate for Stamford homeowners is $1,229. State Farm ranks second and Amica Mutual makes it to the third spot with an average annual home insurance rate of $1,673.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Stamford and prepared a list of the cheapest home insurance providers. You can find below the Stamford home insurance companies and their average annual premium.

Home Insurance Company	Annual rate
National General Insurance	$1,229
State Farm	$1,483
Chubb Ltd	$2,124
Farmers	$2,386
American Family	$2,621
Travelers	$5,387
Amica Mutual	$1,673
USAA*	$1,896

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Stamford 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.