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2024

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Best Homeowners Insurance Agencies in Danbury, CT

Our Recommended Top 15

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Danbury Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

62Reviewed

43Curated

15Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3 Starr Ridge Rd Suite 100, Brewster, NY 10509

Expertise.com Rating

Why choose this provider?

World Insurance Associates LLC offers homeowners insurance policies to clients in and around the Danbury metro area. It helps clients to handle a full range of issues with the policy shopping process and advises them on the available types of coverage as they decide that their needs are. This agency offers policies for dwelling and personal property coverage, liability coverage, loss of use coverage, and vacant property coverage too. Business insurance services are available from World Insurance Associates LLC too.

  • Renter's Insurance
  • Personal Property Insurance
  • Multiple Carriers

6 Main Street, New Milford, CT 06776

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
5.0 (3)

Why choose this provider?

Housatonic Valley Insurance Agency Inc. offers homeowners insurance near Danbury to customers that need to cover their properties and protect from financial liabilities. This agency is experienced with a variety of property types including single-family homes, condominiums, and vacation homes. It's experienced with high-value homes too. Renters insurance is available if clients only need to protect their personal property. Housatonic Valley Insurance Agency Inc. also sells auto insurance and business insurance policies.

  • Renter's Insurance
  • Condos

36 Mill Plain Road, Danbury, CT 06811

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

William Hajj Insurance Agency delivers personal and commercial insurance solutions to residents of Danbury and the surrounding areas. The agents help clients who are looking for insurance for their new home and existing homeowners' insurance holders who want to keep their insurance program up-to-date. In addition to standard parts of homeowners' insurance policy, the company can also customize the client's program to include in-home business coverage and protection for prized possessions such as jewelry or artworks.

  • Renter's Insurance
  • Flood
  • Earthquake

111 Danbury Road, New Milford, CT 06776

Expertise.com Rating

Review Sources

Google
4.9 (30)
Facebook
4.9 (8)
Yelp
1.0 (1)

Why choose this provider?

Nicholas / Tobin Insurance serves the Danbury metro area and provides insurance services to clients that need homeowners insurance. It assists with a multitude of different needs when clients need help with personal insurance needs or related issues. 24/7 service and support is available if clients need to make claims about damage to their homes or personal belongings, or if they need help with an incident which could lead to a lawsuit and medical expenses.

  • Personal Property Insurance
  • Multiple Policy Types

107 Church Hill Road, Sandy Hook, CT 06482

Expertise.com Rating

Review Sources

Google
4.9 (17)
Facebook
4.6 (17)

Why choose this provider?

The Haas Agency offers homeowners insurance plans and serves clients in the Danbury metro area. It provides policy options for people who need to obtain coverage for their homes in case of disaster or other emergencies. These policies can cover liabilities that owners have and pay for personal belongings lost. The Haas Agency also offers renters insurance, specialty dwelling insurance, and flood insurance. Auto insurance and insurance plans for life and health are available.

  • Multiple Policy Types

380 Broadway, Newburgh, NY 12550

Expertise.com Rating

Why choose this provider?

William A. Smith & Son Inc. Insurance is an experienced personal insurance agency that provides several policy options to homeowners that want to protect themselves from loss in the event that their home is destroyed or severely damaged. Its agents help clients to purchase policies that cover their possessions, protect them from liability, and cover the replacement costs of structures on their properties. William A. Smith & Son Inc. Insurance also offers life insurance.

  • Personal Property Insurance
  • Multiple Policy Types

50 Newtown Rd, Danbury, CT 06810

Expertise.com Rating

Review Sources

Google
4.3 (15)
Facebook
4.6 (9)

Why choose this provider?

Associated Insurance Agency offers insurance options to residents and business property owners in Danbury and the rest of the region. The agents advise clients on the factors that determine the homeowners' insurance premiums so the clients know what to expect when it comes to rates and coverages. The factors include the location of the property, the client's credit score, the heating system used in the house, and the property's proximity to water. The policy typically covers the dwelling, personal property, loss of use, and liability.

  • Personal Property Insurance
  • Multiple Policy Types

10 Broadway Road, Trumbull, CT 06611

Expertise.com Rating

Review Sources

Google
5.0 (5)

Why choose this provider?

Insurlynx serves the Danbury metro area and helps clients with a multitude of homeowners insurance needs. Its agents help clients to assess their properties and inventory their belongings and find plans that can adequately cover all of their assets. The agency explains the types of coverage available to clients and acts as a contact when they need to make claims. Flood insurance, condo insurance, and renters insurance plans are available as well.

  • Fire
  • Multiple Policy Types

54 Main St, Danbury, CT 06810

Expertise.com Rating

Review Sources

Google
5.0 (2)
Facebook
5.0 (1)

Why choose this provider?

The Siegel Insurance Agency has been rendering its services to the people of Danbury for more than 80 years. It has plans that provide financial protection for one's car, business, and home. Its home insurance coverage will protect the house and its contents from various types of risks. The policy will also cover the additional expenses a client might incur, like for temporary shelter, in cases of major property loss. Home insurance will also cover liability in case a guest is injured on the property.

  • Multiple Policy Types

227 Monroe Turnpike, Monroe, CT 06468

Expertise.com Rating

Review Sources

Google
4.4 (19)
Yelp
2.5 (3)
Facebook
5.0 (2)

Why choose this provider?

Adam Miller Agency LLC has served clients for over 30 years and sells homeowners insurance policies. Its agents give information and support to clients and evaluate their properties to advise them on the proper amount of needed coverage. Adam Miller Agency LLC also responds to claims that clients make when they need to use a policy to cover damage. This agency offers auto insurance, pet insurance, and several types of business insurance too.

  • Multiple Policy Types

2241 U.S. 6, Brewster, NY 10509

Expertise.com Rating

Why choose this provider?

Marshall & Sterling, Brewster, is an insurance agency that offers homeowners insurance policies to clients in the Danbury metro area. This agency helps clients to purchase a homeowners insurance policy and it explains the types of coverage available and helps clients to decide which kinds of coverage they need. It offers coverage for dwellings and any structures on properties and can also cover any personal belongings that clients have. Auto insurance is available.

  • Multiple Policy Types
  • Personal Property Insurance
  • Flood

23 Segar Street, Danbury, CT 06810

Expertise.com Rating

Review Sources

Facebook
5.0 (15)
Google
5.0 (9)

Why choose this provider?

Doyon Insurance has been providing insurance products and solutions to Connecticut locals since 1990. It specializes in homeowners' policies and caters to residents of Danbury and surrounding areas. It offers fully-customized homeowners' insurance coverages designed by experienced agents who will close all policy gaps to ensure that the specific needs and requirements of clients are covered. It also provides comprehensive and personalized vehicle and business insurance policies. Agency insurance carriers include Safeco, Progressive, MetLife, and Plymouth Rock. Doyon Insurance is capable of assisting Spanish-speaking clients.

  • Multiple Carriers
  • Multiple Policy Types

29 Haviland Street, Norwalk, CT 06854

Expertise.com Rating

Review Sources

Facebook
5.0 (10)
Google
5.0 (2)

Why choose this provider?

Established in 1916, JMG Insurance Agency is an insurance firm serving residents and businesses in Danbury. It offers exhaustive homeowners' insurance plans providing coverage for the dwelling and other structures, personal properties and possessions, and general liability. It also offers policy options for incidents and disasters like floods, fires, earthquakes, storms, and theft. Additionally, it carries a plethora of specialty insurances, including coverage for daycares, limos, school accidents, public transportation, and special events. JMG Insurance Agency maintains offices in New York, Connecticut, New Jersey, Massachusetts, and Hawaii.

  • Renter's Insurance
  • Flood
  • Fire

30 Main Street, Danbury, CT 06810

Expertise.com Rating

Review Sources

Google
5.0 (5)
Facebook
5.0 (3)

Why choose this provider?

Johnson Stevens Curran Agency provides homeowners' coverage to clients in Danbury. An independent agency, it offers policies that cover common hazards from fires to instances of theft or vandalism. Beyond securing repair costs to a client's dwelling, its house insurance programs cover additional structures such as garages, fences, and sheds; select personal belongings such as furniture and appliances; and scheduled personal property such as jewelry and collectibles. The company's offered policies also include additional living expenses and liability protection.

  • Multiple Policy Types

283 Main Street, Danbury, CT 06810

Expertise.com Rating

Review Sources

Google
5.0 (27)
Yelp
5.0 (2)

Why choose this provider?

Hodge Insurance Agency offers insurance policy options to residents and business property owners in Danbury and the neighboring areas. The homeowners' insurance policy protects the client's property and personal belongings from losses due to disasters such as fire, wind, and theft. The policy also includes personal liability protection for any damage or injury a guest acquires while on the client's property. The agents can customize the client's policy to include in-home business coverage and insurance for prized possessions such as jewelry or art.

  • Multiple Policy Types
  • Fire

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
World Insurance Associates LLC
3 Starr Ridge Rd Suite 100, Brewster, NY 10509
Housatonic Valley Insurance Agency, Inc.
6 Main Street, New Milford, CT 06776
William Hajj Insurance Agency
36 Mill Plain Road, Danbury, CT 06811
Nicholas / Tobin Insurance
111 Danbury Road, New Milford, CT 06776
The Haas Agency
107 Church Hill Road, Sandy Hook, CT 06482
William A. Smith & Son, Inc. Insurance
380 Broadway, Newburgh, NY 12550
Associated Insurance Agency
50 Newtown Rd, Danbury, CT 06810
Insurlynx
10 Broadway Road, Trumbull, CT 06611
The Siegel Insurance Agency
54 Main St, Danbury, CT 06810
Adam Miller Agency, LLC
227 Monroe Turnpike, Monroe, CT 06468
Marshall & Sterling - Brewster
2241 U.S. 6, Brewster, NY 10509
Doyon Insurance
23 Segar Street, Danbury, CT 06810
JMG Insurance Agency
29 Haviland Street, Norwalk, CT 06854
Johnson Stevens Curran Agency
30 Main Street, Danbury, CT 06810
Hodge Insurance Agency
283 Main Street, Danbury, CT 06810

FAQs

  • 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 major risks can be addressed by homeowners’ insurance in Danbury?

    The major risks that homeowners' insurance can address in Danbury include damage from a covered peril to the home and attached structures like a garage or deck. Homeowners' insurance also offers protection for personal belongings that have been damaged or stolen, including items such as furniture and electronic devices. Additionally, coverage for living expenses ensures financial assistance to cover temporary living expenses in cases where the home becomes uninhabitable due to a covered claim.

  • Is homeowners' insurance worthwhile for Danbury residents who own a residential property?

    Yes, because homeowner's insurance policies can provide valuable protection and peace of mind for people living in Danbury. Purchasing homeowners' insurance can lead to substantial long-term savings, and its advantages far exceed the potential expenses policyholders might face without it. There are also affordable basic plans available that provide sufficient coverage for owners of residential properties in the area.

  • What is the difference between homeowners’ insurance and home warranty in Danbury?

    A home warranty is distinct from homeowners' insurance and operates similarly to a manufacturer's warranty. In this setup, if an item becomes faulty or breaks down due to regular usage, it will be either repaired or replaced. On the other hand, a standard homeowner's insurance policy offers coverage for the entire structure and its contents in cases of catastrophic events like fires or storms. Homeowners' insurance and home warranties are two distinct types of coverage that provide different forms of protection for homeowners in Danbury.

  • How do Danbury residents determine the replacement cost of their homes?

    To determine the replacement cost of their homes, Danbury residents must understand that the cost of construction is directly tied to the local construction market. The cost is generalized to a dollar range per square foot, which means that the expenses for reconstructing a home might range from $90 to $200 per square foot. This calculation is important in assessing the replacement cost of homeowners’ insurance.

  • What factors must be considered by Danbury residents and their agents when renewing or crafting a new homeowners’ insurance policy?

    The factors that Danbury residents and their agents should consider when renewing or crafting new homeowners' insurance policies include whether people have moved into or moved out of their homes since their last policy renewal. Another factor to consider is whether they have had general life changes, such as marriage, childbirth, or divorce.

  • 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.

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