New Haven, Connecticut bursts at the scene with iconic traditions. Do you like pizza? Try a slice at the first pizza joint in the country (is it Pepe's or Sally's? The debate rages on.). How about fantastic education and architecture? If so, head down to Old Campus at Yale and listen to the haunting chimes of Harkness Tower at twilight. Maybe you are in the mood for traditional a cappella music. If so, head to Mory's to hear the plangent sounds of the Yale Whiffenpoofs -- the oldest collegiate a cappella group in the world.
But traditions have a way of changing -- as do insurance rates. To maximize your coverage and minimize your costs, you need to explore New Haven insurance quotes on a fairly regular basis. After all, as the multiple redesigns of the Broadway District and the Chapel Street Mall demonstrate, things that we think are stable have an odd way of shifting quickly and without notice. Whether you own a business near Quinnipiac College, drive a car to shuttle to and from NYC, or rent an apartment on Edgewood near Pierson College, you crave more solid New Haven insurance policies. This article can hopefully start you on your way.
New Haven Insurance Quotes for Homeowners, Renters, and Everyone Else
Many of New Haven's gorgeous 19th Century and early 20th Century homes have degraded into a state of disrepair. But irrespective of the quality and size of your home (and neighborhood), keep these statistics in mind when assessing your options. Connecticuters in 2007 (according to the National Association of Insurance Commissioners) paid $929 on average for HO-3 homeowners policies -- ranking CT as the 10th most expensive state for HO-3 packages. (For reference: the average US homeowner paid $822). Renters faired better. They paid $196 on average for their premiums -- just $14 more than what the average US renter paid ($182).
Why Bother with Homeowners or Renters Coverage
First of all, insurance can protect your valuable possessions -- including furniture, heirlooms, antiques, and jewelry. Second, insurance can protect you against premises liability claims. For instance, say a buddy of yours parties too hard at Richter's and then drops by your apartment for a game of Halo and trips and falls on your porch and breaks his ankle. He could theoretically hold you liable for damages, such as medical costs, rehab, and even pain and suffering. You could wind up out literally hundreds of thousands of dollars -- and that's not even a worst case scenario. Renters and homeowners insurance can shield you against some of these costs.
When parsing New Haven insurance quotes, strive to obey these two principles: First, get yourself covered against potentially likely catastrophes (such as the premises liabilities scenario just outlined); second, seek to minimize what you pay for your coverage by exploring discounts, raising your deductible (if appropriate), and being smart about how you shop for quotes.
Shopping to Isolate the Newest and Shiniest New Haven Insurance Quotes
NetQuote can provide a superior way to source quotes. Here is how our system works. You fill out one online quote form. Then, after you submit it, you get back five (at least) quotes -- all of which come from top tier insurance companies. (NetQuote works in conjunction with 100+ of the best US insurers). In addition to sourcing quotes through us, you can explore our library of free articles to get tips and tricks to save and optimize your New Haven insurance coverage.