Enfield, CT Home Insurance Quotes!

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Homeowners, make sure your home insurance policy for your home in Enfield, CT protects you from financial loss that could occur if your home was damaged. Did you know that homeowners are protected with a standard home insurance policy for fires, hurricane, lightning, wind, theft, vandalism, and even falling objects like tree limbs or power lines. Most home insurance policies provide liability coverage if you were found responsible for someone's injury.

It is important to understand that your standard home insurance policy is not covered for floods, this is a separate policy and can be purchased through your insurance carrier or through the National Flood Insurance Program. If your home is located in a flood zone, you will need to request a flood insurance policy from us. We can help you with this service and once you complete a Enfield, CT home insurance quotes request online, our system will know if your home is in a flood zone. We look forward to help you!

For more information about your Enfield home insurance protection, please review some of the most recent home insurance questions from our customers. For an online homeowners insurance quote, simply enter your zip code for the property that you would like to insure in Connecticut.

Enfield, CT Homeowners Insurance Quotes

On average, homeowners within the Enfield limits are paying around $1,224 per year for a standard HO-3 policy which is basic coverage for a single-family home. Rates in this Enfield can be as low as $974 per year for homes in the 1,500 square footage size. We can help you save more money on your policy when we apply home insurance discounts and possibly a home and auto insurance package. Larger homes in this area pay around $1,524 per year due to the replacement cost coverage being higher because the home is bigger in square footage size around 2,300 square feet or more. Don't worry! We can help you shop the best rates and coverage options and work with you to show you which policy is best for your Enfield home.

The national average premium for homeowners in the United States is $1311. This usually helps when you want to compare your current annual premium payment against a local Enfield policy or an overall countrywide average premium. These average homeowners insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, your contents, loss of use, medical payments and homeowner liability coverage.

Save time by taking advantage of our quoting and shopping service and let our licensed agent in Connecticut compare multiple coverage options for you. With our easy online shopping process, you can get quotes from up to 12 different home insurance companies. Local Enfield agents advise shopping your policy twice a year so you can keep your coverage options aligned with your needs and recent upgrades. It's important to keep your homeowners insurance coverage up to date if you make any additional home improvements to your Enfield home.

Compare Homeowners Insurance Rates in Enfield, CT!

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Get up to 12 competitive Enfield, CT homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Enfield, CT rates all in one place!

Average Rates Nearby Enfield

Are you looking for homeowners insurance in a city near Enfield? Review coverage options and average rates in your area by clicking your city below. We can help you shop home insurance rates!

Home Insurance Rates by Zipcode in Enfield, CT

Easily review average rates and get multiple homeowners insurance quotes by clicking your zip code below located in Enfield.

06082,     

Enfield, CT Home Insurance Average Premiums

Local Enfield, CT home insurance quotes comparison

$974 /yr.

Shows Enfield's lowest average rates with discounts applied.

For the city of Enfield, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$974 /yr.
Average Coverage:$1224 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1524 /yr.

What is the average home insurance cost for a home in Enfield, CT?

  • • The average homeowners insurance premium paid annually for a home in Enfield is around $1224 per year.

What does it cost on average per month for home insurance in Enfield, CT?

  • • Homeowners in Enfield pay an average cost per month around $102.00 for insurance coverage.

Enfield, CT Coastal Wind, Hail & Flood Information

Enfield is located in a coastal county which greatly increases the risk of hurricanes and windstorms. Our quoting process will include wind and hail coverage options to give you the best protection you need against high winds and storm damage.

Enfield, CT - 2023 Housing Information

Month Current Home Value (2023) Last Year Home Value (2022)
January $270,826 $247,132
February $271,720 $251,477
March $272,894 $256,412
April $274,050 $260,435

Homeowners insurance will help cover the cost to repair or replace your Enfield home if it is damaged or destroyed by a covered peril, up to your coverage limits. A homeowners policy is made up of a few different coverages. Here are the most common coverages:

  • Dwelling: This coverage will pay to repair or replace the structure of your home if it is damaged or destroyed. Review and Calculate Replacement Cost Coverage in Enfield
  • Liability: This coverage will help cover medical and legal bills if someone is injured in your home, slipping on an icy sidewalk for example. It also offers protection if you damage another person’s property, your child hitting a baseball through a neighbor’s window for example.
  • Contents: This covers the cost to replace your personal possessions that are destroyed by a covered peril. Furniture, electronics, clothing and household goods are excellent examples. Contents coverage is often capped at 50% to 70% of your dwelling coverage.
  • Other Structures: This coverage protects other structures on your property such as detached garages, outbuildings, barns, and sheds.
  • Loss of use: This covers everyday costs that you incur if you cannot live in your home while it is being repaired due to a claim. It will pay hotel and restaurant bills and even the cost of dry cleaning.
Enter your Zip Code:    

Get up to 12 competitive Enfield, CT homeowners insurance rates all in one place!

Enter your Zip Code:    
Easily compare up to 12 competitive Enfield, CT rates all in one place!

Saving Money Tips on Enfield Home Insurance

A great way to save money on Enfield homeowners insurance is to make sure you are getting all the discounts you are qualified to receive. Here are just a few of the most common discount’s insurers offer:

  • Bundling: If you purchase your home and auto (or any other insurance coverage) from the same insurer, you should get a bundling discount. Expect to save 20%-25%.
  • Secure your home: Adding a monitored security system, water leak sensors, deadbolts, and smoke detectors should result in a discount.
  • Impact resistant roof: If you are replacing your roof, consider impact resistant roofing materials which help prevent hail and impact damage as well as resulting in a significant discount.
  • Stay claim free: If you have been claim free for a number of years (five is a common requirement) your insurer should offer a claim free discount.

Are you shopping for the best rate near or wihin the Enfield area? Check out what homeowners are paying on average for Connecticut homeowners insurance.

Elevation Review for Coastal Wind or Flooding Risk

Elevation Details Homeowners Tips
137 ft. This is the average home elevation in Enfield, CT

» Elevation is crucial to a homeowners insurance policy because it determines the risk of your home being in a flood zone which is particularly important in a coastal state such as Enfield, Connecticut.

A standard homeowners policy does not cover flood damage. If you live in a flood prone area, you will need to purchase a separate flood to fully protect your home.

Call Now for Flood Insurance Quotes: 888-620-1954!

Flood insurance can be purchased via the National Flood Insurance Program (NFIP) or in the private market. NFIP policies come with coverage caps and other restrictions so you may need to supplement your flood insurance coverage with a private market policy.

It's important to remember that flooding occurs in low and moderate risk areas as well. According to FEMA data, almost 25% of all flood claims come from low to moderate-risk areas.

To get online quotes on your home and compare rates on home insurance premiums in Enfield, enter your zip code above and easily complete our online quoting application. Remember, it's important to speak with us about additional home insurance discounts so you can get the best rate for your home in Hartford County.

Connecticut Homeowners Insurance News & Information

  • Florida has 7 New Home Insurance Companies Entering the Market Posted on Friday 1st March, 2024

    Recently, Florida has seen seven new insurance companies enter the market for homeowners coverage. Currently, the average premium for homeowners coverage is $6,000 a year in the Sunshine state compared to a nationwide average of just $1,700 a year, according to the Insurance Information Institute.  The Insurance Information Institute is hopeful that the new insurance […]

  • 2024 Average Homeowners Insurance Rate at $2,777 per year  Posted on Tuesday 20th February, 2024

    A recent report by Insurance.com, found that the average homeowners insurance rate in the U.S. came in at $2,777 per year which breaks down to $231 a month. The average was based on coverage levels of $300,000 in dwelling and liability and a $1,000 deductible. When Insurance.com ran the numbers, Oklahoma was the most expensive […]

  • NC Residents Speak Against 42% Rate Increase Requested by Rate Bureau Posted on Tuesday 13th February, 2024

    During a recent public comment session held by the North Carolina Department of Insurance, dozens of North Carolina residents spoke out against an average rate increase of 42% that the North Carolina Rate Bureau is requesting.  The Rate Bureau represents insurance companies in the state and earlier this year requested average rate increases of 42%. […]

  • Is Homeowners Insurance Part of Your New Years Resolution? Posted on Wednesday 31st January, 2024

    The New Year is here for 2024, and you have probably made a list of resolutions involving everything from eating better to losing a bit of weight. One thing that should be on everyone’s list is a review and update of their homeowners policy. The beginning of the year is a great time to pull […]

  • North Carolina: 2024 Homeowners Insurance Rate Increase Proposed Posted on Friday 19th January, 2024

    Recently, the North Carolina Rate Bureau requested that the N.C. Department of Insurance allow increases to homeowners’ insurance rates by an average of 42.2 percent. If the NCDOI agrees, the proposed rates will go into effect Aug. 1. However, it is also possible that the NCDOI will not agree to the increase and deny the […]

Enfield, CT Dwelling Coverage Estimate

It is important to calculate your dwelling coverage for your home in Enfield so you know what type of homeowners insurance coverage you need to cover your replacement cost. It is recommended to have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Please remember that replacement cost coverage does not include the cost of the land, only the price to rebuild your home, which is why we like to help customers by answering a few questions that you may have.

What is the average replacement cost coverage in Enfield, CT?

- The average square footage in Enfield is around 1,088 Sq. Ft. which would cost you around $190,400 to replace the home if you base the home on the price to build per square foot of $175.

Minimum Replacement Cost Total: $190,400

Location: Enfield, Connecticut (Hartford County)

Average Building Cost Per Square Foot in Enfield: $175 (low end)

Average Square Footage in Enfield: 1,088 Sq. Ft.

Home Improvement StatusPrice per Sq. Ft.Dwelling Coverage
None or Very Minor Improvements$175$190,400
Some Additional Upgrades$219$238,000
Major Home Updates or Advancements$263$285,600

The dwelling coverage is calculated by the average cost per square foot ($175) in Enfield, Connecticut times your heated square footage. Which would equal the cost to rebuild your home minus the cost of the property or land. Some homes will have a higher replacement cost due to home improvements like updated kitchens and bathrooms. Other upgrades may include: granite countertops, hardwood floors and stainless steel appliances. The national square foot average to build a brand new home is around 2500 square feet. So if you are looking to build, and your square footage of your new home is 2500, you are looking at a dwelling coverage premium of around $546,875 (Media price to build of $219 x 2500 sq. ft.) to cover the cost to rebuild your new home.

What is the difference between actual cash value and replacement cost value?

Homeowners insurance is available in both actual cash value (ACV) and replacement cost value (RCV). Knowing the difference is important:

Actual cash value: When valuing your personal possessions, an actual cash value policy will take depreciation into account. This means that your 10-year-old TV will be basically worthless according to your insurance company. While an ACV policy tends to be cheaper, if you have to make a claim you may be disappointed in your claim payout.

Replacement cost value: A RCV policy will replace your possessions with brand new items of similar quality regardless of how old they were at the time they were destroyed. While RCV policies are slightly more expensive, they are well worth the cost if you have to make a claim.