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06456 Home Insurance Rates & Premiums

Did you know there are over 355 people living within the 06456 zip code area? There are over 164 occupied dwellings which means many homeowners like you that are interested in lower premiums or better coverage options. At GetHomeInsuranceQuotes.com, we provide a free shopping services online or over the phone. Our process includes the following:

  1. We will shop up to 12 home insurance companies for free.
  2. We will apply all discounts and credits to help you save up to 40% or more.
  3. We will answer any questions that you may.
  4. We will review the best policy and coverage option in 06456.

Let us help you shop and compare rates today, just enter your zip code to get your free online home insurance quotes. Please give us a call now at 1-855-976-2656, and easily get up to 12 rates over the phone in minutes.

Average homeowners insurance premiums in Connecticut are on the rise. The estimated average premium is around $1,200 a year for a standard homeowners insurance policy in Middle Haddam. You can find out more information about home insurance premiums, discounts and crime rate information by clicking your city below.

City: Middle Haddam, CT Homeowners Insurance Quotes Online

06456 Home Insurance Average Premiums

Local 06456 homeowners insurance quotes comparison

$950 /yr.

Shows Zip Code: 06456 lowest rates with discounts applied on average.

For the 06456, 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)		$950 /yr.
Average Coverage:$1200 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1500 /yr.

What is the average home insurance cost for a home in 06456?

  • • The average homeowners insurance premium paid annually for a home in 06456 is around $1200 per year.

What does it cost on average per month for home insurance in 06456?

  • • Homeowners in 06456 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 06456?

  • • Autoowners in 06456 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 Middle Haddam area, check out other zip codes nearby 06456.
Review average rates in another zip code:
06456 homeowners insurance rates

Home Replacement Cost Coverage in 06456

Average Building Cost Per Square Foot in 06456: $175

Location: Middle Haddam, Connecticut (Middlesex County)

Average Square Footage in 06456: 2,000 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 06456 before you start any project. Middle Haddam 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 06456 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 06456 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,000 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 Middle Haddam 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$1752,000$350,000
Additional Upgrades & Added Features$2192,000$437,500
Major Home Updates or Advancements$2632,000$525,000

It's important to understand that when you estimate your replacement cost of your home in the 06456 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 06456

Best Home & Auto Insurance Agencies in 06456

Housing Demographics for 06456

Population Review for 06456 Zip Code

For the city of Middle Haddam, the population within 06456 has increased to over 0 residents in population size. The current population total is 355. We have broken down the population based on race below. In 06456, there are over 164 in male population and 191 females.

PopulationValues
Total Population355
White Population312
Black Population3
Hispanic Population5
Asian Population7
Hawaiian Population0
Indian Population3
Other Population2
Male Population164
Female Population191
Population Estimate0

Household Data for 06456

The average number of homes in 06456 is around 164, there are an average of 2.16 per household. The average house value according to local real estate values is around $350,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode164
Persons Per Household2.16
Average House Value$350,000
Income Per Household$102083
Median Age52.1
Median Age Male57.2
Median Age Female42.1
06456 DetailsValues
StateCT
State Full NameConnecticut
City TypeZ
City Alias Abbreviation
Area Code860/959
CityMiddle Haddam
City Alias NameMIDDLE HADDAM
CountyMiddlesex
County FIPS007
State FIPS09
Time Zone5
Day Light SavingY
MSA
PMSA
CSA278
CBSA25540
CBSA_DIV
CBSA_TypeMetro
CBSA_NameHartford-East Hartford-Middletown, CT
MSA_Name
PMSA_Name
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses5
Number Of Employees15
Business First Quarter Payroll28
Business Annual Payroll130
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 Residential0
Delivery Business0
Delivery Total294
Preferred Last Line KeyV20378
Classification CodeP
Multi-County
CSA NameHartford-East Hartford, CT
CBSA_DIV_Name
City State KeyV20378
Land Area1.328000
Water Area0.398000
City Alias Code
City Mixed CaseMiddle Haddam
City Alias Mixed CaseMiddle Haddam
Box Count113
SFDU0
MFDU0
State ANSI09
County ANSI007
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number084284
Unique ZIP Name
SSA State County Code07030
Medicare CBSA Code25540
Medicare CBSA NameHartford-East Hartford-Middletown, CT
Medicare CBSA TypeMetro
Market Rating Area ID4
County Mixed CaseMiddlesex

Connecticut Homeowners Insurance News & Information

  • Homeowners Shopping Rates Due to Rise in Premiums Posted on Monday 23rd September, 2024

    According to the recently released J.D. Power 2024 U.S. Home Insurance Study a nationwide rise in premiums has driven many customers to shop for new policies as their rates are now too high.  “’The average shopping rate among home insurance customers has climbed to a record high of 6.8% through the second quarter of 2024, […]

  • Where is it cheaper to rent than to buy a home in the United States? Posted on Thursday 5th September, 2024

    According to a new study from Clever Real Estate, a St. Louis-based real estate company, monthly rent costs are actually cheaper than a monthly mortgage payment in 48 of the 50 most populous cities in the United States. Their analysis looked at mortgage principals, interest, taxes as well as homeowners insurance and they found that […]

  • Review How Many Homeowners Are Not Insured Per State Posted on Thursday 29th August, 2024

    One of the major costs of owning a home is protecting it with homeowners insurance. This will ensure your home is repaired or rebuilt if it is damage or destroyed by a covered peril. It also helps protect you against lawsuits, theft and even vandalism. If you have a mortgage on your home, your lender […]