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06040, CT Homeowners Insurance Rates

With a population size of 35,676 and with 14,734 occupied homes in the 06040 area, our online shopping service is becoming very helpful for homeowners like you. The average home insurance premiums in Manchester, CT are around $1,205 per year for a standard HO-3 homeowners policy. Wouldn't you love to save up to 40% or more on your next home insurance policy? Our process easily compares the most competitive rates, while including all discounts and credits, plus reviewing all enhanced coverage options. You will find that GetHomeInsuranceQuotes.com is the best place online to shop for home insurance rates in Manchester, Connecticut. If you are looking for more affordable rates, let us help you shop and compare your next homeowners policy today. Just enter your zip code to start online comparing, or give us a call at 1-855-976-2656 so we can help you review rates today!

It's important to know that if your Connecticut home may be located in a risk area that is prone to flooding, hurricanes or earthquakes. You may need additional coverage that is not part of your current policy like an HO-3 or HO-2. We can help you review the best protection and coverage options for your home located in Manchester, CT.

For Connecticut home insurance information, including average Manchester home insurance rates, coverage options or the different homeowners insurance types, please select Manchester, CT Home Insurance Quotes Now!

06040 Home Insurance Average Premiums

Local 06040 homeowners insurance quotes comparison

$955 /yr.

Shows Zip Code: 06040 lowest rates with discounts applied on average.

For the 06040, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)
$955 /yr.
Average Coverage:$1205 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1505 /yr.

What is the average home insurance cost for a home in 06040?

  • • The average homeowners insurance premium paid annually for a home in 06040 is around $1205 per year.

What does it cost on average per month for home insurance in 06040?

  • • Homeowners in 06040 pay a monthly average cost per month around $100.00.

What kind of discount could I get if I combine my home and auto insurance together in 06040?

  • • Autoowners in 06040 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

For shopping home insurance rates within the Manchester area, check out other zip codes nearby 06040.
Review average rates in another zip code:
06042 homeowners insurance rates
06040 homeowners insurance rates

Home Replacement Cost Coverage in 06040

Average Building Cost Per Square Foot in 06040: $175

Location: Manchester, Connecticut (Hartford County)

Average Square Footage in 06040: 1,147 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 06040 before you start any project. Manchester homeowners pay on average around $175 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 06040 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 06040 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,147 sq. ft. and the average cost to rebuild the home in this area is around $175 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Manchester area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1751,147$200,800
Additional Upgrades & Added Features$2191,147$251,000
Major Home Updates or Advancements$2631,147$301,200

It's important to understand that when you estimate your replacement cost of your home in the 06040 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 06040

Allstate Insurance - John Kissi

Address: 660 Center Street Manchester, CT 06040
Phone: (860)646-1513
Website:

Georgina Arias Agency

Address: 139 E Center St Manchester, CT 06040
Phone: (860)649-7465
Website:

Best Home & Auto Insurance Agencies in 06040

Allstate Insurance Co - Jane Foss

Address: 360 E Center St Central Manchester, CT 06040
Phone:
Website: http://www.allstate.com
Info: Allstate Car Insurance Quotes, Home Insurance, Financial Products and More
Allstate auto insurance quotes and anonymous ballpark estimates to help protect you, your family and your automobile. Insurance and financial products include car insurance, home insurance, business insurance, life insurance, IRAs and annuities. car insurance, auto insurance quote, vehicle insurance, free online insurance quotes, rate quote, life insurance, annuities, mutual funds, IRAs, allstate insurance agent, allstate.com

Allstate Business Machines

Address: 441 S Main St Central Manchester, CT 06040
Phone:
Website:
Info:

Esposito- Michael - State Farm Insurance Agent

Address: 691 Main St Central Manchester, CT 06040
Phone:
Website: http://www.mikeesposito.com
Info:

Georgina Arias Agency

Address: 139 E Center St Central Manchester, CT 06040
Phone:
Website:
Info:

Allstate Insurance - John Kissi

Address: 660 Center St Central Manchester, CT 06040
Phone:
Website:
Info:

Housing Demographics for 06040

Population Review for 06040 Zip Code

For the city of Manchester, the population within 06040 has increased to over 36,524 residents in population size. The current population total is 35,676. We have broken down the population based on race below. In 06040, there are over 17195 in male population and 18481 females.

PopulationValues
Total Population35,676
White Population20248
Black Population5942
Hispanic Population6759
Asian Population2789
Hawaiian Population22
Indian Population193
Other Population2999
Male Population17195
Female Population18481
Population Estimate36524

Household Data for 06040

The average number of homes in 06040 is around 14,734, there are an average of 2.37 per household. The average house value according to local real estate values is around $200,800. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode14,734
Persons Per Household2.37
Average House Value$200,800
Income Per Household$73856
Median Age38.4
Median Age Male37.0
Median Age Female39.7
06040 DetailsValues
StateCT
State Full NameConnecticut
City TypeP
City Alias Abbreviation
Area Code860
CityManchester
City Alias NameMANCHESTER
CountyHartford
County FIPS003
State FIPS09
Time Zone5
Day Light SavingY
MSA3280
PMSA
CSA278
CBSA25540
CBSA_DIV
CBSA_TypeMetro
CBSA_NameHartford-East Hartford-Middletown, CT
MSA_NameHartford, CT MSA
PMSA_Name
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses925
Number Of Employees13422
Business First Quarter Payroll154554
Business Annual Payroll636399
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population1212381
CBSA Division Population0
Congressional District01|02
Congressional LandArea675.45|1987.68
Delivery Residential15411
Delivery Business937
Delivery Total16552
Preferred Last Line KeyV20352
Classification Code
Multi-CountyY
CSA NameHartford-East Hartford, CT
CBSA_DIV_Name
City State KeyV20352
Land Area16.927000
Water Area0.152000
City Alias Code
City Mixed CaseManchester
City Alias Mixed CaseManchester
Box Count146
SFDU11885
MFDU2642
State ANSI09
County ANSI003
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number083876
Unique ZIP Name
SSA State County Code07010
Medicare CBSA Code25540
Medicare CBSA NameHartford-East Hartford-Middletown, CT
Medicare CBSA TypeMetro
Market Rating Area ID2
County Mixed CaseHartford

Connecticut Homeowners Insurance News & Information

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  • How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024

    Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm.  Understanding the different coverages that are available to homeowners is key to making sure you […]