The Paul F Tilly Agency, LLC
49 Park Pl, Avon, NY 14414
View this agency's profile to learn more about their services.
Loading...
City directory
Avon households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
49 Park Pl, Avon, NY 14414
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Avon residents.
Learn about auto insurance requirements in Avon, Connecticut. Understand CT's at-fault system, 25/50/25 minimums, and why Avon drivers need more coverage.
While Connecticut's average home insurance cost is around $1,870 per year, Avon homeowners typically pay more due to higher property values. Homes in Avon have a median price of around $621,250, requiring significantly higher dwelling coverage than the state average. Your actual premium depends on your home's replacement cost, chosen deductible, coverage limits, and specific risk factors like proximity to flood zones.
FEMA has updated its Flood Insurance Rate Maps for Hartford County, and some Avon properties now fall within designated flood zones. If your property is in a flood zone and you have a mortgage, your lender will require flood insurance. Even if you're not in a mapped flood zone, flood insurance is worth considering since flash flooding from heavy rainstorms can occur anywhere, and standard homeowners insurance does not cover flood damage.
Home insurance typically covers winter damage from frozen pipes, ice dams, and roof damage from snow and ice. If a pipe bursts and floods your home, or if ice dams cause water to seep into your attic and walls, your policy should cover the resulting damage. However, you'll still be responsible for your deductible, and prevention through proper insulation and home maintenance is always preferable to filing a claim.
Your dwelling coverage should reflect the cost to completely rebuild your home, not its market value. With Avon's median home price around $621,250 and rising construction costs, many homeowners need $500,000 to $800,000 or more in dwelling coverage. Consider getting a replacement cost estimate from your insurer or a professional appraiser, and look for policies offering guaranteed or extended replacement cost coverage to protect against cost overruns.
Yes, by shopping among multiple insurers like Amica, Vermont Mutual, and State Farm, which often offer competitive Connecticut rates. Ask about discounts for bundling home and auto insurance, installing security or fire detection systems, having a newer roof, being claims-free, or making home improvements. Raising your deductible from $1,000 to $2,500 can also lower your premium, though make sure you can afford the higher out-of-pocket cost if you need to file a claim.
It depends on the source of the water. If a pipe bursts or your sump pump fails during a storm, your homeowners policy typically covers the damage. However, if water enters your basement due to natural flooding from heavy rainfall or rising groundwater, you need separate flood insurance. This distinction has caught many Avon homeowners by surprise, resulting in denied claims and expensive out-of-pocket repairs.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network