Stratford, Connecticut is the consummate little big town--despite its low population and small-town feel, it's rich in history and beauty. Part of Connecticut's history is rooted in insurance; in fact, the first insurance company in the country, ITT Hartford, was founded in Connecticut. Since then, Connecticut has earned a reputation as the Insurance State.
Even with a reputation like this, insuring your home in Stratford, Connecticut, can be a bit tricky. The average homeowner in Connecticut pays around $762 annually for homeowner insurance, which is about 10% above the national average.
Saving in Stratford
You can make your Stratford insurance rates a little more affordable by doing some research and then comparison shopping. Some of the best ways to save as you begin gathering the Stratford insurance quotes include:
- Know your options. HO-2, HO-3, and HO-8 are the most common home insurance policies in Connecticut. HO-2 is a basic, broad form of coverage; HO-3 is the most popular option; and HO-8 is the most expensive because it is based on market value, not cash value. This is not a bad idea in a tumultuous housing economy. Knowing what you do and do not need when it comes to insurance can help you save.
- Safeguard your home. A few inexpensive modifications to your home can impact your insurance rates in a big way. Installing deadbolt locks, anti-theft devices, motion lighting, or a burglar alarm will make your home safer than average, and you'll notice lower rates on your Stratford insurance quotes when you factor these things in.
- Lower your fire risk. Fire damage is one of the most devastating and costliest events your home can experience, and taking preventative measures will also lower your insurance cost. Fire extinguishers in the house, smoke alarms, and security systems that alert the fire department can make a dramatic difference on Stratford insurance quotes.
Comparing Your Stratford Insurance Quotes
Armed with the facts, you can then go about finding the best rates for your home. NetQuote.com is a great source for this, allowing you to research requirements in Connecticut and then getting insurance quotes you can instantly and easily compare, giving you the confidence of knowing you got the best deal possible on your Connecticut insurance.