Pricing & Savings
What insurance actually costs in Hartford County — and how we help you save.
All premium estimates shown are for illustrative purposes only and do not constitute an offer of insurance. Actual premiums will vary based on individual underwriting factors, claims history, and carrier guidelines.
Sample Homeowners Premium Breakdown
Annual Homeowners Premium — Hartford County Average — $425,000 home value
Premium Estimator
Estimated Annual Premium
$1,849
Monthly
$154
Bundle Savings
—
vs. State Avg
Save ~$277
Estimates are for illustration only. Actual premiums vary based on individual underwriting factors.
How We Compare
Our average rates vs. state and national averages
| Coverage | Ours | State Avg | National | Savings |
|---|---|---|---|---|
| Homeowners | $1,850 | $2,150 | $2,270 | 14% |
| Auto (full) | $1,420 | $1,680 | $1,770 | 15% |
| Umbrella ($1M) | $380 | $450 | $400 | 16% |
| Renters | $240 | $290 | $260 | 17% |
Rates shown are approximate Connecticut averages and do not constitute quotes.
Available Discounts
Multi-Policy Bundle
Combine home + auto for the biggest savings
Claims-Free
No claims in the past 3-5 years
Smart Home
Water sensors, security systems, smart locks
New Home
Homes built within the last 10 years
Protective Devices
Smoke detectors, fire extinguishers, deadbolts
Loyalty
Continuous coverage with the same carrier for 3+ years
Paid in Full
Pay your annual premium upfront
Good Driver
Clean driving record for 3+ years
Bundling Scenarios
Young Family
Home + Auto (2 cars) + Umbrella
New Homeowner
Home + Auto
Business Owner
Home + Auto + BOP + Umbrella
Get Your Personalized Quote
These are averages — your rate depends on your specific situation. Let's find out what you'd actually pay.
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