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06238 Home Insurance Quotes, Rates & Coverage

Are you looking for the right homeowners insurance policy at an affordable price for your home in 06238? There are over 4,879 occupied homes in the 06238 area. With a population size of 12,235, it's not uncommon for residence of Coventry, CT to want to find cheaper home insurance rates online. The average premium for a standard HO-3 home insurance policy for homeowners living in Connecticut is around $1,208 per year. At GetHomeInsuranceQuotes.com, we help you easily compare up to 12 home insurance rates from the top rated insurance companies. We also help you save money by applying all the home insurance credits and discounts available helping you save up to 40% or more on your next homeowners policy. Enter your 06238 zip code today to compare multiple rates and coverage options for your existing policy or a new home purchase.

For additional information about average home insurance rates, premiums or home insurance types, please review your city information: Coventry, CT Home Insurance Rate Quotes

06238 Home Insurance Average Premiums

Local 06238 homeowners insurance quotes comparison

$958 /yr.

Shows Zip Code: 06238 lowest rates with discounts applied on average.

For the 06238, 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)		$958 /yr.
Average Coverage:$1208 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1508 /yr.

What is the average home insurance cost for a home in 06238?

  • • The average homeowners insurance premium paid annually for a home in 06238 is around $1208 per year.

What does it cost on average per month for home insurance in 06238?

  • • Homeowners in 06238 pay a monthly average cost per month around $101.00.

What kind of discount could I get if I combine my home and auto insurance together in 06238?

  • • Autoowners in 06238 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 Coventry area, check out other zip codes nearby 06238.
Review average rates in another zip code:
06238 homeowners insurance rates

Home Replacement Cost Coverage in 06238

Average Building Cost Per Square Foot in 06238: $175

Location: Coventry, Connecticut (Tolland County)

Average Square Footage in 06238: 1,465 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 06238 before you start any project. Coventry 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 06238 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 06238 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,465 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 Coventry 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$1751,465$256,300
Additional Upgrades & Added Features$2191,465$320,375
Major Home Updates or Advancements$2631,465$384,450

It's important to understand that when you estimate your replacement cost of your home in the 06238 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 06238

Best Home & Auto Insurance Agencies in 06238

Housing Demographics for 06238

Population Review for 06238 Zip Code

For the city of Coventry, the population within 06238 has increased to over 12,787 residents in population size. The current population total is 12,235. We have broken down the population based on race below. In 06238, there are over 6077 in male population and 6158 females.

PopulationValues
Total Population12,235
White Population11061
Black Population96
Hispanic Population512
Asian Population169
Hawaiian Population1
Indian Population15
Other Population185
Male Population6077
Female Population6158
Population Estimate12787

Household Data for 06238

The average number of homes in 06238 is around 4,879, there are an average of 2.50 per household. The average house value according to local real estate values is around $256,300. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode4,879
Persons Per Household2.50
Average House Value$256,300
Income Per Household$94058
Median Age44.3
Median Age Male43.8
Median Age Female44.8
06238 DetailsValues
StateCT
State Full NameConnecticut
City TypeP
City Alias Abbreviation
Area Code860/959
CityCoventry
City Alias NameCOVENTRY
CountyTolland
County FIPS013
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 Businesses137
Number Of Employees2028
Business First Quarter Payroll53725
Business Annual Payroll185597
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 District02
Congressional LandArea1987.68
Delivery Residential5115
Delivery Business108
Delivery Total5470
Preferred Last Line KeyV20145
Classification Code
Multi-County
CSA NameHartford-East Hartford, CT
CBSA_DIV_Name
City State KeyV20145
Land Area37.571000
Water Area0.674000
City Alias Code
City Mixed CaseCoventry
City Alias Mixed CaseCoventry
Box Count174
SFDU4839
MFDU80
State ANSI09
County ANSI013
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationD
Finance Number081578
Unique ZIP Name
SSA State County Code07060
Medicare CBSA Code25540
Medicare CBSA NameHartford-East Hartford-Middletown, CT
Medicare CBSA TypeMetro
Market Rating Area ID7
County Mixed CaseTolland

Connecticut Homeowners Insurance News & Information

  • 2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024

    According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges.  Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]

  • What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024

    A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly.  The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]

  • $4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024

    According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]