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Middlesex County, CT Homeowners Insurance Quotes

Shopping online for homeowners insurance rates in Middlesex County is easy with our online quoting application process. We can provide the most affordable premiums and coverage options while comparing up to 12 major carriers to help you find the best home insurance policy for you and your family in Connecticut.

For Middlesex County CT homeowners, it's important to know your home is protected from hurricanes, lightning and home fires. With our enhanced coverage option process, we can help you get the added coverage you need in case of flooding issues, wind and hail damage and so much more.

Middlesex County Home Insurance Rates

Middlesex County, CT homeowners are now averaging around $131.83 per month for a basic homeowners policy. For Connecticut residents, this amounts to $1582 per year for a standard home policy for homeowners living in Middlesex County, CT. In comparison, the national average for home insurance premiums is around 1,249 per year. Connecticut is now ranked #10 in the country for the highest home insurance rates. Would you like to get up to 12 free home insurance quotes for your home in Middlesex County, CT so you can save up to 40% or more? If so, we look forward to working with you and providing a excellent home insurance shopping experience. Just enter your zip code to start the online quoting process, it only takes a minute and we will present the best rates and coverage options for you.

For all Middlesex County, CT residents, you can select your city below to review more information about homeowners insurance in your local area. Information includes city demographics, facts and average premium rates for homeowners on an annual and montly basis. If you are searching for insurance rates nearby then click your city below.


Are you looking for a homeowners insurance quote in Middlesex County? Simply enter your zip code to get your Connecticut homeowners insurance quotes and receive up to 12 competitive quotes and coverage options in your area.

Middlesex County, CT Housing Demographics

With 165,676 residents living within the Middlesex County area there are over 74,837 homeowners looking for more affordable home insurance rates. Your homeowners policy is written to help protect your home and family. With an estimated 43,743 families living within the local area, it is safe to say that great coverage at an affordable price is most desired amongst every homeowner living in Middlesex County.

DemographicValues
Total Occupied Households67,202
Family Households (families)43,743
Average Owner Occupied Household Size3
Average Family Size3
Total Housing Units74,837

Middlesex County, CT Coastal Wind, Hail & Flood Information

For all homeowners living in Middlesex County (FIPS: 9007), it's important to understand that this county is in a coastal area and has great risk of damage due to hurricanes, windstorms, hail and flooding. The wind and hail insurance program provided through the state of Connecticut is the states opportunity to help provide additional wind/hail coverage when insurance companies exclude it from homeowners and other policies sold to coastal residents. You can buy wind and hail insurance coverage through us and we will shop multiple companies to package the best coverage option for you. If you are shopping for quotes in Middlesex County, CT, it's important that you look into hurricane and windstorm insurance options.

Middlesex County boarders a shoreline which increases the risk of wind, hail and flood damage. We will look into providing the best rates possible considering your home is located in the coastal area of Connecticut.

Helpful Articles:

Middlesex County, CT Home Insurance Average Premiums

Local Middlesex, CT homeowners insurance quotes comparison

$1,193 /yr.

Connecticut's Average Home Insurance Rates Overall

For the state of Connecticut, homeowners insurance premiums have changed based on a variety of different factors related to risk and is currently ranked 10 in the nation for highest premiums in the U.S.

Average RatingAnnual Premium
Minimum Range:$777 /yr.
Current Average Cost:$1,193 /yr.
Maximum Range:$1582 /yr.

Middlesex County, CT Coastal Wind, Hail & Flood Information

Middlesex is 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.

Flood Zone Notice: The beautiful coastal county of Middlesex is know for it's beautiful beaches and waterways. Because Middlesex County (FIPS: 9007) has a shoreline and is in a coastal area it is important to purchase flood insurance. The risk is very high in this area and we will work with you to provide the best flood insurance coverage you need for your home in Middlesex County.

Connecticut Homeowners Insurance News & Information

  • Largest Insurer in California – Travelers Announces Home Insurance Rates Going Up 15% Posted on Monday 20th May, 2024

    Travelers Insurance, which is one of the largest insurers in California, recently announced that they will be raising premiums by an average of 15% in the Golden State. This is just the latest rate increase or policy limitation by major insurance companies who blame the increases on spreading wildfire risks, inflation, and the cost of […]

  • Should I raise my deductible to $10,000 to help offset the cost of rising premiums? Posted on Wednesday 15th May, 2024

    According to industry reports, homeowners are raising their deductibles to $5,000 to $10,000 to help offset the cost of rising premiums.  While raising a deductible into the stratosphere will absolutely lower your homeowner insurance premium, it does mean that you will have to cover your deductible amount in the event you have to make a […]

  • Should I choose the minimum or maximum homeowners insurance coverage? Posted on Monday 13th May, 2024

    As homeowner insurance rates rise across the country, some homeowners are opting for policies that offer minimal coverage to keep their premiums affordable. Unfortunately, this choice will leave them at higher risk and in a position where they may have to pay more out of pocket if they have to make a claim on their […]

  • Texas is Seeing Major Increases in the Cost of Homeowners Insurance Posted on Tuesday 7th May, 2024

    Like much of the rest of the country, Texas is seeing major increases in the cost of homeowners insurance. According to an article in Austin American-Stateman, residents of Texas have seen their insurance rates go up 50.9% on average which is the largest increase in the country for that time period. Unfortunately, experts are predicting […]

  • Homeowners Below a 580 Credit Score Pay 35% More for Home Insurance Posted on Monday 15th April, 2024

    While the odds of a major disaster hitting a specific home is the same regardless of whether the owner has a great credit score or one that puts them in a subprime category, their credit score will impact their rate in many states.  In most states, insurers are allowed to consider credit scores when setting […]

Discounts For Homeowners in Middlesex County

As a homeowner, you have to understand that insurance companies see homes as a risk. If you can decrease any of the risk factors that will determine your premium, then it's best to follow these important guidelines in order to save money on your Connecticut homeowners insurance.

  • Install A Smoke Alarm in Every Room: It's important you do this for your own safety, so why not install a smoke detector in every room. Show your home insurance company that safety comes first. Once you have them installed, shop for home insurance and mentioned you have taken the right safety precautions to reduce house fires. For homeowners in Middlesex County, this discount can save you up to 20% on your home insurance premium.
  • Combine Your Home and Auto Insurance Into One Package: Any home insurance provider is going to want your business. It's important you offer this opportunity to combine your home and auto insurance together in one package. You may want to also see if you can open up a life or health insurance account as well. Merging all your insurance into one company will save you money. Homeowners in Middlesex County that do combine their home and auto can save over $500 with this discount.
  • Install A Home Security System: Your home insurance company should reward you for installing a home security system, sometimes up to 22%. It's important that you take precautions and reduce the risk of someone breaking into your Middlesex County home. This will be one of the questions that you will want to ask your home insurance agent to see if you qualify for this discount. If you don't, make sure you shop other companies to get the "Home Security Discount"
  • Purchase A Fire Exstinguisher: Although smoke alarms provide warnings, it's best to be prepared. This may or may not provide any stand alone discount, but it shows your serious when it comes to reducing risk.
  • Stop Smoking: It's important to protect your health and your home. If you don't smoke or don't have anyone living with you that smokes then this can save you up to 18% on your home insurance premium.

Middlesex County Housing & Real Estate Data

Details:Statistics
Total Housing Units74837
Occupied Housing Units67202
Vacant Housing Units7635
Vacant Housing Units for Rent1415
Vacant Housing Units Rented Not Occupied88
Vacant Housing Units For Sale751
Vacant Housing Units Sold Not Occupied182
Vacant Housing Units For Seasonal Occasional Use4036
Vacant Housing Units All Other Vacants1163
Housing Units Homeowner Vacancy Rate Percent2
Housing Units Rental Vacancy Rate Percent8
Housing Tenure Occupied Units67202
Housing Tenure Occupied Units Owner Occupied49976
Housing Tenure Occupied Units Owner Occupied Population126860
Housing Tenure Occupied Units Owner Occupied Averge Household Size3
Housing Tenure Occupied Units Renter Occupied17226
Housing Tenure Occupied Units Renter Occupied Population33731
Housing Tenure Occupied Units Renter Occupied Average Household Size2