Get multiple home insurance quotes in 06403. Our licensed 06403, CT agents are ready to serve you.

06403 Online Home Insurance Rates

Comparing a bunch of different rates for your home in 06403 is very time consuming. At GetHomeInsuranceQuotes.com, we help you shop and compare up to 12 major top-rated A.M. Best companies, to present the most affordable rates for homeowners living in Beacon Falls, CT. Not only do we provide free comparitive rates, but we also answer any questions you have and offer a free consultation process to help you decide which coverage option is best for you. Most of the time, we can add up to 40% more in savings by applying all the discounts and credits, like a home/auto package, security alarm, new roof upgrade or even deadbolts. It's easy to shop with us, we have already partnered with the most competitive home insurance companies in the 06403 area. If you enter your zip code, you can easily begin the online quoting process, it only takes a few minutes. If you would like to give us a call now at 1-855-976-2656 we will be happy to hear from you.

If you would like to review more information on home insurance premiums in Connecticut, like average Beacon Falls homeowners insurance rates, coverage options or home insurance types, please select Beacon Falls, CT Home Insurance Rates Online!

06403 Home Insurance Average Premiums

Local 06403 homeowners insurance quotes comparison

$938 /yr.

Shows Zip Code: 06403 lowest rates with discounts applied on average.

For the 06403, 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)
$938 /yr.
Average Coverage:$1188 /yr.
2600 sq. ft. or higher
(all discounts applied)
$1488 /yr.

What is the average home insurance cost for a home in 06403?

  • • The average homeowners insurance premium paid annually for a home in 06403 is around $1188 per year.

What does it cost on average per month for home insurance in 06403?

  • • Homeowners in 06403 pay a monthly average cost per month around $99.00.

What kind of discount could I get if I combine my home and auto insurance together in 06403?

  • • Autoowners in 06403 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 Beacon Falls area, check out other zip codes nearby 06403.
Review average rates in another zip code:
06403 homeowners insurance rates

Home Replacement Cost Coverage in 06403

Average Building Cost Per Square Foot in 06403: $175

Location: Beacon Falls, Connecticut (New Haven County)

Average Square Footage in 06403: 1,441 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 06403 before you start any project. Beacon Falls 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 06403 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 06403 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,441 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 Beacon Falls 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$1751,441$252,100
Additional Upgrades & Added Features$2191,441$315,125
Major Home Updates or Advancements$2631,441$378,150

It's important to understand that when you estimate your replacement cost of your home in the 06403 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 06403

Best Home & Auto Insurance Agencies in 06403

A-AAABLE AUTO INSURANCE

Address: Hamden, CT 06403
Phone:
Website:
Info:

Nationwide Insurance - Raymond A Shea

Address: 93 S Main St Beacon Falls, CT 06403
Phone:
Website: http://www.nationwide.com/agent/Beacon-Falls-CONNECTICUT-insurance-agent/raymond-shea/office.html
Info:

Housing Demographics for 06403

Population Review for 06403 Zip Code

For the city of Beacon Falls, the population within 06403 has increased to over 6,355 residents in population size. The current population total is 5,985. We have broken down the population based on race below. In 06403, there are over 2950 in male population and 3035 females.

PopulationValues
Total Population5,985
White Population5246
Black Population142
Hispanic Population409
Asian Population84
Hawaiian Population0
Indian Population19
Other Population128
Male Population2950
Female Population3035
Population Estimate6355

Household Data for 06403

The average number of homes in 06403 is around 2,482, there are an average of 2.41 per household. The average house value according to local real estate values is around $252,100. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode2,482
Persons Per Household2.41
Average House Value$252,100
Income Per Household$90804
Median Age46.2
Median Age Male45.0
Median Age Female47.4
06403 DetailsValues
StateCT
State Full NameConnecticut
City TypeP
City Alias Abbreviation
Area Code203
CityBeacon Falls
City Alias NameBEACON FALLS
CountyNew Haven
County FIPS009
State FIPS09
Time Zone5
Day Light SavingY
MSA5602
PMSA1160
CSA408
CBSA35300
CBSA_DIV
CBSA_TypeMetro
CBSA_NameNew Haven-Milford, CT
MSA_NameNew York-Northern New Jersey-Long Island, NY-NJ-CT-PA
PMSA_NameBridgeport, CT PMSA
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses85
Number Of Employees829
Business First Quarter Payroll10210
Business Annual Payroll57578
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population862477
CBSA Division Population0
Congressional District03
Congressional LandArea470.34
Delivery Residential2637
Delivery Business91
Delivery Total2995
Preferred Last Line KeyV20035
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_Name
City State KeyV20035
Land Area9.671000
Water Area0.116000
City Alias Code
City Mixed CaseBeacon Falls
City Alias Mixed CaseBeacon Falls
Box Count58
SFDU1911
MFDU203
State ANSI09
County ANSI009
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number080306
Unique ZIP Name
SSA State County Code07040
Medicare CBSA Code35300
Medicare CBSA NameNew Haven-Milford, CT
Medicare CBSA TypeMetro
Market Rating Area ID5
County Mixed CaseNew Haven

Connecticut Homeowners Insurance News & Information

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    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 […]