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2024

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Best Homeowners Insurance Agencies in Waterbury, CT

Our Recommended Top 10

We did the research for you!

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Our goal is to connect people with the best local professionals. We scored Waterbury 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.

72Reviewed

47Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

2666 State Street, Hamden, CT 06517

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

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.

  • Flood
  • Multiple Policy Types

50 Newtown Road, Danbury, CT 06810

Expertise.com Rating

Review Sources

Facebook
4.2 (10)

Why choose this provider?

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.

  • Personal Property Insurance
  • Multiple Policy Types

2030 Straits Turnpike #4, Middlebury, CT 06762

Expertise.com Rating

Why choose this provider?

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.

  • Personal Property Insurance
  • Multiple Policy Types

345 West Main Street, Waterbury, CT 06702

Expertise.com Rating

Review Sources

Google
4.8 (28)
Facebook
5.0 (18)

Why choose this provider?

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.

  • Multiple Policy Types

344 Robbins Street, Waterbury, CT 06708

Expertise.com Rating

Review Sources

Google
4.8 (21)

Why choose this provider?

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.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

211 Schraffts Drive, Waterbury, CT 06705

Expertise.com Rating

Review Sources

Google
4.5 (11)
Facebook
3.7 (3)

Why choose this provider?

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.

  • Renter's Insurance
  • Multiple Policy Types

11 Scovill Street, Waterbury, CT 06706

Expertise.com Rating

Review Sources

Google
4.8 (4)

Why choose this provider?

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.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

487A Campbell Avenue, West Haven, CT 06516

Expertise.com Rating

Review Sources

Google
4.7 (35)
Facebook
5.0 (1)

Why choose this provider?

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.

  • Multiple Policy Types

1068 West Main Street, Waterbury, CT 06708

Expertise.com Rating

Review Sources

Facebook
4.8 (70)

Why choose this provider?

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.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

48 Meriden Road, Waterbury, CT 06705

Expertise.com Rating

Review Sources

Google
4.9 (59)
Facebook
5.0 (9)

Why choose this provider?

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.

  • Personal Property Insurance
  • Multiple Policy Types

Compare our Top Homeowners Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
ABC Insurance Agency
2666 State Street, Hamden, CT 06517
Associated Insurance Agency
50 Newtown Road, Danbury, CT 06810
All Risk Insurance Agency, LLC
2030 Straits Turnpike #4, Middlebury, CT 06762
Main Street Insurance
345 West Main Street, Waterbury, CT 06702
Montagno Insurance Agency
344 Robbins Street, Waterbury, CT 06708
CDR Insurance Group, Inc.
211 Schraffts Drive, Waterbury, CT 06705
Sundel & Milford Inc.
11 Scovill Street, Waterbury, CT 06706
Elsie Encarnacion - State Farm Insurance Agent
487A Campbell Avenue, West Haven, CT 06516
JMG Insurance Agency
1068 West Main Street, Waterbury, CT 06708
American Financial Solutions LLC
48 Meriden Road, Waterbury, CT 06705

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 factors affect the cost of your homeowners insurance in Waterbury?

    Your Waterbury homeowners insurance policy is shaped by the choices you make, influencing its premium cost. This cost depends on the following:

    • Your desired deductible: Higher deductibles reduce premiums.
    • The options you select: The coverages you pick directly impact your policy's cost.
    • Your chosen coverage limits: You have the flexibility to set higher limits than the recommended amounts.
  • What is the reason for the high cost of homeowners insurance in Waterbury?

    High insurance rates in the area stem from its harsh weather, including superstorms, heavy snow, and floods, and this poses a constant threat to homes. Additionally, with the increasing frequency of extreme weather events nationwide, insurance claims related to weather damage are rising, driving up insurance expenses. Secondly, Waterbury's extensive coastline increases insurance costs due to the potential for severe storms and flooding from the Atlantic Ocean.

  • Does your homeowners insurance provide coverage for all types of damage to your Waterbury residence?

    In Waterbury, a standard homeowners insurance policy includes protection for home damage caused by incidents like fires or storms, but it doesn't encompass all possible scenarios. You do have the option to enhance coverage by adding endorsements, such as Earthquake Protection. To gain clarity on the scope of your current policy's coverage, it's advisable to review the policy documents.

  • What kinds of discounts are available for homeowners insurance in Waterbury?

    Many insurance providers typically offer a discount when you bundle your homeowners and auto insurance, known as a multi-policy discount. Other common discounts include those for seniors, new homes, favorable credit, home security features, and roof certification. Taking advantage of the discounts offered by your insurance company is one of the most effective ways to lower your homeowners insurance expenses in Waterbury.

  • Is high-value homeowners insurance necessary for your Waterbury house?

    Not every house in Waterbury necessitates a high-value homeowners insurance plan. The decision largely relies on the homeowner's individual requirements. If your home's value exceeds $1 million, consult a licensed insurance advisor to assess your existing coverage. Other reasons for considering specialized high-value homeowners insurance include unique architectural features; heritage status; rare materials; upscale appliances or fixtures; valuable art, jewelry, or collectibles at home; and unconventional construction features.

  • 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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