Expertise.com

Best Homeowners Insurance Agencies in Waterbury

Laurels
Laurels

We did the research for you!

Learn more
  • checkboxLicensing
  • checkboxUser Reviews
  • checkboxMystery Shopping Calls

Homeowners Insurance Agencies FAQs

Learn more
ABC Insurance Agency logo
Visit WebsiteWebsite

ABC Insurance Agency

2666 State Street, Hamden, CT 06517
Visit WebsiteWebsite
  • Flood
  • Multiple Policy Types

Business Description

ABC Insurance Agency provides a variety of insurance products for Waterbury residents. This company represents trusted insurance providers in the industry such as MetLife, Inc., The Travelers Companies, Inc., and Progressive Corporation. Coordinating with over 20 carriers, its agents help homeowners compare and select policies that suit their lifestyle. They can also help families and individuals who reside in high-risk areas and want added protection against floods. ABC Insurance Agency was established in 1990.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
All Risk Insurance Agency, LLC logo
Visit WebsiteWebsite

All Risk Insurance Agency, LLC

2030 Straits Turnpike #4, Middlebury, CT 06762
Visit WebsiteWebsite
  • Personal Property Insurance
  • Multiple Policy Types

Business Description

All Risk Insurance Agency, LLC, is a Middlebury insurance company that offers personal and commercial insurance solutions to clients in the Waterbury metro. The company offers home insurance policies that help clients financially protect their homes and belongings from damage caused by fires, falling objects, theft, and vandalism. Its home insurance policies also cover detached structures like garages and sheds, as well as scheduled personal properties like jewelry, collectibles, and other high-value items.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
American Financial Solutions LLC logo
Visit WebsiteWebsite

American Financial Solutions LLC

48 Meriden Road, Waterbury, CT 06705
Visit WebsiteWebsite
  • Personal Property Insurance
  • Multiple Policy Types

Business Description

American Financial Solutions LLC is an insurance company that serves the Waterbury metro area and surrounding communities. Founded in 2000, the company provides homeowners' insurance options from various insurance carriers. Its independent agents assist private residence owners in selecting the right property and liability coverages that best suit their needs. Other services include vehicle, property, business, financial, and events insurance policies. The company also handles claims filing, billing and payment, policy change requests, and insurance certifications.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (59)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Associated Insurance Agency logo
Visit WebsiteWebsite

Associated Insurance Agency

50 Newtown Road, Danbury, CT 06810
Visit WebsiteWebsite
  • Personal Property Insurance
  • Multiple Policy Types

Business Description

Associated Insurance Agency serves clients in Waterbury and throughout its nearby areas. This agency sells home insurance that can be bundled with a variety of other products, including auto, life, and business insurance. Its agents strive to help clients find the most affordable options by shopping for policies from a variety of carriers. Associated Insurance Agency is a Trusted Choice Independent Insurance Agency. Carriers it represents include Progressive and Nationwide.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.2
Facebook
4.2 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
CDR Insurance Group, Inc. logo
Visit WebsiteWebsite

CDR Insurance Group, Inc.

211 Schraffts Drive, Waterbury, CT 06705
Visit WebsiteWebsite
  • Renter's Insurance
  • Multiple Policy Types

Business Description

CDR Insurance Group, Inc., is an insurance agency that protects the residences in Waterbury, Prospect, Wolcott, Cheshire, and nearby areas. Its homeowners' insurance plan covers families and individuals, safeguarding them from the financial loss against burglary and theft, accidental water damage, frozen pipes or plumbing, snow or ice damage, and windstorms and hailstorms. CDR Insurance Group, Inc., provides home insurance with many aspects that include homeowner's liability, scheduled personal property insurance, and home-sharing.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Elsie Encarnacion - State Farm Insurance Agent logo
Visit WebsiteWebsite

Elsie Encarnacion - State Farm Insurance Agent

487A Campbell Avenue, West Haven, CT 06516
Visit WebsiteWebsite
  • Multiple Policy Types

Business Description

Elsie Encarnation State Farm Insurance Agent serves clients in Waterbury and throughout its nearby communities. Ms. Encarnacion is an experienced agent who has been working with State Farm for several years. She's committed to helping her clients navigate home insurance claims and claims on other policies. She also helps clients select insurance policies that cover their houses and other property in case of disasters, theft, or accidents, and assists them with policy changes whenever needed.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
JMG Insurance Agency logo
Visit WebsiteWebsite

JMG Insurance Agency

1068 West Main Street, Waterbury, CT 06708
Visit WebsiteWebsite
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Flood
  • Fire

Business Description

JMG Insurance Agency has been providing insurance solutions to residents and businesses in Waterbury for more than a century. Founded in 1916, the company guides individuals and families in obtaining a homeowners' insurance policy that can adequately protect their homes and personal belongings in times of disaster and unfortunate events. Its licensed agents evaluate a home's value and suggest coverage options like the dwelling, detached structures, personal property, and general liability. Other services include personal, business, and specialty insurance policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Facebook
4.8 / 5 (70)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Main Street Insurance logo
Visit WebsiteWebsite

Main Street Insurance

345 West Main Street, Waterbury, CT 06702
Visit WebsiteWebsite
  • Multiple Policy Types

Business Description

Main Street Insurance is an independent Waterbury-based agency specializing in home and auto insurance. It works with clients who wish to get insurance for the first time or want to re-evaluate their existing policy. Its team of insurance agents is knowledgeable and experienced in the risks and potential losses local property owners face enabling it to offer customized protection plans. It provides homeowners insurance to make sure that their clients' biggest asset is properly protected. It represents several major insurance carriers including Progressive and Safeco Insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (28)
Facebook
5.0 / 5 (18)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
––
Montagno Insurance Agency logo
Visit WebsiteWebsite

Montagno Insurance Agency

344 Robbins Street, Waterbury, CT 06708
Visit WebsiteWebsite
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Fire
  • Earthquake

Business Description

Montagno Insurance Agency has been assisting residents and businesses in Waterbury in securing financial relief for their properties and investments for more than 50 years. The company provides homeowners insurance policies that protect the homes, personal belongings, and liabilities of individuals and families against catastrophic events. Its licensed agents partner with several carriers and help clients choose the right home buildings and home contents coverage for their situation. Other insurance offerings include auto, life, and commercial plans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (21)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Sundel & Milford Inc. logo
Visit WebsiteWebsite

Sundel & Milford Inc.

11 Scovill Street, Waterbury, CT 06706
Visit WebsiteWebsite
  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance
  • Multiple Carriers
  • Flood
  • Fire
  • Condos

Business Description

Since 1947, Sundel & Milford, Inc., an independent insurance agency located in Waterbury, has been helping its clients find the most suitable insurance for them. Its services include helping clients, whether they rent or own, with homeowners' insurance policies that can protect them from disasters, accidents, and liabilities. Sundel & Milford is a member of the Acorn Insurance Alliance and works with many major insurance providers such as Progressive, The Hartford, Liberty Mutual, Travelers, Safeco Insurance, and Foremost Insurance Group.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (4)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Back to Providers

Frequently Asked Questions

Introduction

Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.

What determines the price of homeowners insurance premium?

The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

What is the difference between home warranty and homeowners insurance?

Homeowners' insurance protects your home and property from damage from events that include storms, theft, and fires. A home warranty covers repair costs for parts of your home that eventually breaks down. For example, if a fallen tree damages your roof, it's typically covered by insurance, not the warranty.

Does Geico offer homeowners insurance?

Because auto insurance is Geico's focus and where they invest the most in advertising, many people know the company only as a car insurance provider. On the contrary, Geico does offer a range homeowners' insurance policies that cover dwellings, personal property, and personal liability, among other provisions.

How long does homeowners warranty insurance last?

Home warranties vary based on the provider of the coverage, but most home warranties last for one year. Once they run out, homeowners have the option of renewing the warranty or letting it lapse. If a covered item breaks down after the warranty period is over, repair costs won't be reimbursed.

Does homeowners insurance cover water heaters?

Homeowners' insurance doesn't cover water heaters when they break down from normal wear and tear. An insurance policy may cover water damage to your home and property if it malfunctions, and if the water heater is damaged by a fire or an accident, home insurance may provide the costs to replace it.

Are RVs covered under homeowners insurance?

Usually, an RV is covered under your homeowners' insurance, but that coverage will probably be subject to several exceptions and contingencies. For example, if you want to drive your RV, you'll either need car insurance or specialized RV insurance since the risks you'll face on the road do not fall under a homeowner's policy.

Do new buyers need owner\'s title insurance on a new home?

There are unique risks that a buyer of a new home may face. For example, property claims from previous owners or liens from suppliers whom the homebuilders never paid during construction. Title insurance protects the home from these perils, and your mortgage lender may require it.

Do owner builders need home warranty insurance?

In the United States, owner builders are not required to have home warranty insurance. If you're the one who built your home, you're expected to incur the costs of repairs yourself if a structure or appliance breaks down.

Are dogs deaths covered in homeowners insurance?

Usually, the loss of a dog or other pet is not covered by your home insurance. However, many insurance providers offer riders — packages of added coverage — for pets called pet insurance. This ensures that medical costs and property damage caused by your pets are fully covered.

Are earthquakes covered in standard homeowners insurance policies?

Standard homeowners' insurance policies do not cover damage directly caused by earthquakes. Insurance will sometimes cover indirect damage, however. For example, if an earthquake causes a fire in your home, damage from the fire will be covered under a standard home insurance policy.

Are homeowners insurance and car insurance deductible?

Homeowners' insurance and car insurance premiums are not deductible as personal expenses on your taxes. However, some percentage of your premiums may be deductible as business expenses if you own a business and use your car and home for business purposes. This may vary between states.

Are homeowners insurance payouts taxable income?

If you file a claim after a burglary at your home, for example, the insurance company will assess the value of the property lost or damaged and reimburse that amount. This payout is not taxable because it's not income — it's a replacement of lost value.

How frequent should one change auto or homeowners insurance to another provider?  

If you find home and auto insurance policies that you're happy with, you may never want to switch. However, various providers offer different combinations of coverage and price, so you may want to assess all your options every few years.

What should a homeowners insurance include/cover?

A homeowners' insurance policy should cover the dwelling, personal property inside and some outside, other structures on the property, and liability. For example, it should cover medical bills if a guest sustains an injury. Not all of these coverages are included in every policy.

How much homeowners insurance should someone carry?

How much insurance you need depends on the size of your home, its age, and other unique factors. Standard insurance policies cover around 70% of the total value of your home and additional covered property. Most policies that offer premises liability include $100,000 in liability coverage.

Read all FAQs