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Home Insurance in 06794

Our rates are very competitive for homeowners living in the 06794 zip code. Many homeowners based out of Washington Depot, CT have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our CT licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 06794 should appear in the zip code field ready to go.

06794 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Washington Depot area? The average homeowners premium in 06794 is very high in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 06794, you can expect to pay around $1263 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

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Get Home Insurance Quotes in 06794

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Connecticut. Start your 06794 home insurance shopping today!

  1. Washington Depot, CT Home Insurance Quotes

06794 Home Insurance Average Premiums

Local 06794 homeowners insurance quotes comparison

$1013 /yr.

Shows Zip Code: 06794 lowest rates with discounts applied on average.

For the 06794, 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)		$1013 /yr.
Average Coverage:$1263 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1563 /yr.

What is the average home insurance cost for a home in 06794?

  • • The average homeowners insurance premium paid annually for a home in 06794 is around $1263 per year.

What does it cost on average per month for home insurance in 06794?

  • • Homeowners in 06794 pay a monthly average cost per month around $105.00.

What kind of discount could I get if I combine my home and auto insurance together in 06794?

  • • Autoowners in 06794 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 Washington Depot area, check out other zip codes nearby 06794.
Review average rates in another zip code:
06794 homeowners insurance rates

Home Replacement Cost Coverage in 06794

Average Building Cost Per Square Foot in 06794: $175

Location: Washington Depot, Connecticut (Litchfield County)

Average Square Footage in 06794: 2,106 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 06794 before you start any project. Washington Depot 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 06794 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 06794 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 2,106 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 Washington Depot 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$1752,106$368,500
Additional Upgrades & Added Features$2192,106$460,625
Major Home Updates or Advancements$2632,106$552,750

It's important to understand that when you estimate your replacement cost of your home in the 06794 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 06794

Ericson Agency Inc

Address: 4 Green Hill Rd Washington Depot, CT 06794
Phone: (860)868-7361
Website: www.ericsoninc.com

Best Home & Auto Insurance Agencies in 06794

Housing Demographics for 06794

Population Review for 06794 Zip Code

For the city of Washington Depot, the population within 06794 has increased to over 1,291 residents in population size. The current population total is 1,119. We have broken down the population based on race below. In 06794, there are over 472 in male population and 647 females.

PopulationValues
Total Population1,119
White Population1023
Black Population8
Hispanic Population47
Asian Population17
Hawaiian Population0
Indian Population2
Other Population14
Male Population472
Female Population647
Population Estimate1291

Household Data for 06794

The average number of homes in 06794 is around 440, there are an average of 2.37 per household. The average house value according to local real estate values is around $368,500. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode440
Persons Per Household2.37
Average House Value$368,500
Income Per Household$51607
Median Age51.4
Median Age Male52.5
Median Age Female50.4
06794 DetailsValues
StateCT
State Full NameConnecticut
City TypeP
City Alias AbbreviationWASHINGTON DT
Area Code860/959
CityWashington Depot
City Alias NameWASHINGTON DEPOT
CountyLitchfield
County FIPS005
State FIPS09
Time Zone5
Day Light SavingY
MSA5602
PMSA1930
CSA408
CBSA45860
CBSA_DIV
CBSA_TypeMicro
CBSA_NameTorrington, CT
MSA_NameNew York-Northern New Jersey-Long Island, NY-NJ-CT-PA
PMSA_NameDanbury, CT PMSA
RegionNortheast
DivisionNew England
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses63
Number Of Employees514
Business First Quarter Payroll7538
Business Annual Payroll39094
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population189927
CBSA Division Population0
Congressional District05
Congressional LandArea1248.16
Delivery Residential545
Delivery Business22
Delivery Total865
Preferred Last Line KeyV20779
Classification Code
Multi-County
CSA NameNew York-Newark, NY-NJ-CT-PA
CBSA_DIV_Name
City State KeyV20779
Land Area13.001000
Water Area0.000000
City Alias Code
City Mixed CaseWashington Depot
City Alias Mixed CaseWashington Depot
Box Count196
SFDU525
MFDU10
State ANSI09
County ANSI005
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorN
Carrier Route Rate SortationC
Finance Number088670
Unique ZIP Name
SSA State County Code07020
Medicare CBSA Code99907
Medicare CBSA NameRural Areas in CT
Medicare CBSA TypeMicro
Market Rating Area ID3
County Mixed CaseLitchfield

Connecticut Homeowners Insurance News & Information

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    Homeowners insurance is a necessity if you own a home, particularly if you are currently carrying a mortgage. Mortgage lenders require homeowners insurance to protect their investment in your home by always carrying homeowners insurance.  If your insurance is cancelled or you are non-renewed it can be a huge problem. As wildfires and major windstorms […]

  • Will Citizens Policyholders See a Home Insurance Rate Decrease?  Posted on Tuesday 11th March, 2025

    Recently, Gov. Ron DeSantis announced that over 20% of Citizens property insurance policyholders will see a premium decrease of roughly 5.6%. DeSantis also claimed that almost 73% of homeowners who have a policy with Citizens in Miami-Dade County will see a rate reduction of 6.3% on average. The state-run insurer, Citizens Property is finally shedding […]

  • Can $600 Million Help Lower Florida Homeowners Insurance Rates? Posted on Friday 14th February, 2025

    Family relax on the couch. Happy beautiful young parents are smiling, hugging and playing with them kids at home together Governor DeSantis recently asked the legislature for over $600 million to help lower homeowners insurance in his 2025-26 budget request. The budget proposal asks for $590 million to go towards the My Safe Florida Home […]