Hartford Home Insurance
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Insure Your New Home in Beautiful Hartford, VT
If you dream of a small-town life surrounded by expanses of untouched forest with rivers tumbling through it, you might find what you're looking for in Hartford, Vermont. This bucolic town is home to about 10,600 permanent residents and sits on Vermont's eastern border with New Hampshire. Three rivers flow through and around Hartford and the Queechee State Park sits on its southern border.
Hartford is made up of five unincorporated villages: Hartford Village, Quechee, White River Junction, Wilder and West Hartford. Each village has its own personality. Quechee is a resort destination due to its proximity to outdoor activities, including the Quechee State Park, white river rafting and hiking. West Hartford is the most rural village, peppered with farmland and long stretches of forest. Among the villages are several historical landmarks and designated Historic Districts with homes and businesses dating to the 1800s.
Own a Home in Hartford
Overall, the cost of living in Hartford is equal to the national average. While health care and utilities in the area are somewhat higher, transportation and housing costs are lower.
Home Prices
Home prices have risen across the country in recent years, but homes in Hartford have remained lower than both the national average and the median costs in the state of Vermont. On average, homeowners in Harford will pay around $328,000.
Home Insurance Basics
Home insurance premiums can vary widely across states and even within a particular city. This variance is due to several factors, including location, climate, safety demographics, age and condition of a home and the homeowners' financial history.
Premiums are also affected by the type of coverage you need. A standard policy will protect your home, surrounding structures, personal property and extra living expenses should damage to your home cause you to vacate it for some time. You will also get personal liability coverage for accidents that might occur on your property. If you need additional coverage for any reason, that will be added to your policy at an additional cost.
The Coverage You Need in Hartford
Home insurance in Hartford has an average cost of $780 a year, which is in line with the state average and more than 50% less than the national average. One factor that affects the pricing of Hartford home insurance is how safe the area is. The property crime rate in Hartford is 21.4, nearly 15 points lower than the national rate and on par with the state average.
Of concern to insurance providers is the winter weather which sees nearly 70 inches of snowfall yearly. Heavy snowfall is a common cause of roof damage and causes accidents on surrounding property.
Homeowners should consider flood insurance in Hartford. Proximity to rivers and heavy precipitation have caused flooding in the area historically and there is a high risk of the area flooding again within the next 30 years. Flood insurance is not included in standard policies; however, FEMA has a National Flood Insurance Program that homeowners can purchase independently.
Whichever Hartford village you choose to settle in, you'll want to protect your home with a Hartford home insurance policy. VIU by HUB lets homeowners compare pricing across several providers to ensure they are getting the right policy for their situation.
This information is intended for general informational purposes only and is not intended to constitute legal advice.