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Homeowners Insurance in 06109

Getting the most affordable home insurance rates in 06109 just got easier for Wethersfield, CT home insurance shoppers who want to shop online at GetHomeInsuranceQuotes.com. We provide up to 12 rates and coverage options available to you from the leading home insurance companies that have the most competitive premiums available in the great city of Wethersfield. Because our online quoting application is free, we are happy to server thousands of homeowners like you that want a quick way to review and compare affordable rates. Shop online with us by entering your zip code now. Or you can speak with an agent now at 1-855-976-2656 For Wethersfield, CT Home Insurance Quotes, Click to easily review rates!

Average Home Insurance Rates in 06109

When discussing Connecticut homeowners insurance rates, Wethersfield residents are finding new ways to save time and money by discovering lower rates when they shop online. Connecticut may not be the most expensive state in the country to purchase homeowners insurance, but it does rank higher than average at a nationwide rank of 10. Residents that live within the 06109 zipcode are currently paying $1140 for home insurance coverage on average, where the majority of the United States home insurance premiums are around $1,249. These average home insurance rates reflect the cost of a standard home insurance policy which includes the coverage of your home, contents, loss of use, medical payments and homeowner liability coverage. It is very important to understand that a standard homeowners insurance policy in Wethersfield does not include flood insurance coverage. We will need to write a separate policy and our agents are available to help you review and compare what's the best fit for your home and family.

06109 Home Insurance Average Premiums

Local 06109 homeowners insurance quotes comparison

$890 /yr.

Shows Zip Code: 06109 lowest rates with discounts applied on average.

For the 06109, 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)
$890 /yr.
Average Coverage:$1140 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1440 /yr.

What is the average home insurance cost for a home in 06109?

  • • The average homeowners insurance premium paid annually for a home in 06109 is around $1140 per year.

What does it cost on average per month for home insurance in 06109?

  • • Homeowners in 06109 pay a monthly average cost per month around $95.00.

What kind of discount could I get if I combine my home and auto insurance together in 06109?

  • • Autoowners in 06109 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 Wethersfield area, check out other zip codes nearby 06109.
Review average rates in another zip code:
06109 homeowners insurance rates

Home Replacement Cost Coverage in 06109

Average Building Cost Per Square Foot in 06109: $175

Location: Wethersfield, Connecticut (Hartford County)

Average Square Footage in 06109: 1,521 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 06109 before you start any project. Wethersfield 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 06109 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 06109 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,521 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 Wethersfield 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$1751,521$266,100
Additional Upgrades & Added Features$2191,521$332,625
Major Home Updates or Advancements$2631,521$399,150

It's important to understand that when you estimate your replacement cost of your home in the 06109 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 06109

Baldwin Insurance Inc

Address: 30 Jordan Ln Wethersfield, CT 06109
Phone: (860)563-0942
Website: www.baldwininsurance.com

Best Home & Auto Insurance Agencies in 06109

Allstate Insurance Company - Randy Zebendon

Address: 929 Silas Deane Highway Wethersfield, CT 06109
Phone:
Website: http://www.allstateagencies.com/044750?cid=OTC-YP.com-IYP&att=TL
Info:

Christopher Lyons - Nationwide Insurance

Address: 383 Silas Deane Highway Wethersfield, CT 06109
Phone:
Website: http://www.nationwide.com/agent/Wethersfield-CONNECTICUT-insurance-agent/lyonsinsurance/office.html
Info:

Wilber- John J - State Farm Insurance Agent

Address: 1841 Berlin Tpke Wethersfield, CT 06109
Phone:
Website: http://www.statefarm.com
Info: State Farm - Car Insurance Quotes - Save on Auto Insurance
State Farm offers more discounts to more drivers than any other insurance company. Get a free quote today and see how you can save on auto, home, life and more. State Farm, auto insurance, car insurance, home insurance, homeowners insurance, renters insurance, life insurance, health insurance, annuities, mutual funds, banking, car loans, credit cards, Visa gift cards

Baldwin Insurance Inc

Address: 30 Jordan Ln Wethersfield, CT 06109
Phone:
Website: http://www.baldwininsurance.com
Info:

Allstate Insurance

Address: 249 Main St Wethersfield, CT 06109
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

Housing Demographics for 06109

Population Review for 06109 Zip Code

For the city of Wethersfield, the population within 06109 has increased to over 28,276 residents in population size. The current population total is 27,298. We have broken down the population based on race below. In 06109, there are over 13006 in male population and 14292 females.

PopulationValues
Total Population27,298
White Population21649
Black Population1030
Hispanic Population3403
Asian Population1135
Hawaiian Population10
Indian Population60
Other Population1394
Male Population13006
Female Population14292
Population Estimate28276

Household Data for 06109

The average number of homes in 06109 is around 11,396, there are an average of 2.39 per household. The average house value according to local real estate values is around $266,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode11,396
Persons Per Household2.39
Average House Value$266,100
Income Per Household$100557
Median Age44.3
Median Age Male42.5
Median Age Female46.0
06109 DetailsValues
StateCT
State Full NameConnecticut
City TypeB
City Alias Abbreviation
Area Code860
CityWethersfield
City Alias NameWETHERSFIELD
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 Businesses574
Number Of Employees6148
Business First Quarter Payroll78234
Business Annual Payroll342690
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
Congressional LandArea675.45
Delivery Residential11831
Delivery Business669
Delivery Total12718
Preferred Last Line KeyV20819
Classification Code
Multi-County
CSA NameHartford-East Hartford, CT
CBSA_DIV_Name
City State KeyV20819
Land Area12.302000
Water Area0.800000
City Alias Code
City Mixed CaseWethersfield
City Alias Mixed CaseWethersfield
Box Count0
SFDU9543
MFDU1445
State ANSI09
County ANSI003
ZIP Intro
Alias Intro
Facility CodeB
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number083366
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

  • North Carolina Homeowners’ Insurance Premiums May See a 15% Increase Posted on Thursday 23rd January, 2025

    The base rate for North Carolina homeowners insurance will be headed up by an average of 15% by the middle of 2026. The rate increases are part of a settlement that was reached with the insurance industry by the North Carolina Insurance Department. The state Insurance Commissioner Mike Causey recently announced the rate increase agreement […]

  • 2025 Florida Home Insurance Rates Could Increase Posted on Tuesday 14th January, 2025

    While many state legislators, industry leaders and insurance regulators have been claiming that the insurance market in Florida has stabilized, it looks like premiums may be headed up again in the near future.  According to an analysis by the South Florida Sun Sentinel, the average statewide premium, being paid for an all-perils single-family home policy […]

  • Economists Top 5 Housing Predictions for 2025 Posted on Monday 6th January, 2025

    Housing costs are currently sky-high, regardless of whether you are renting or in the market to buy a home. According to the latest data from the U.S Cenus, the median sales price for a single-family home was $437,300, which is up from $426,800 a month prior. On the rental front, the median price for rent […]