ZIP 06378 Insurance Data

Data Snapshot: ZIP 06378 (Stonington, CT)

ZIP 06378 (Stonington, CT) shows an average homeowners insurance premium of $3,461 per year as of 2022, based on U.S. Treasury FIO ZIP-level observations across approximately 98 reported policies. That is 95% above the national average of $1,776 per year, placing this ZIP in the 97th percentile nationally. Compared to the Connecticut state average of $2,258, this ZIP runs 53% above, reflecting neighborhood-level differences in catastrophe exposure, property age, and claims history.

The loss ratio for ZIP 06378 is 21.0%, meaning insurers retained a working margin after claims. Claim frequency — the share of policies with at least one claim — is 2.92%, and the average claim severity (amount paid per claim) is $24,807. Nonrenewal — insurers declining to extend coverage at policy expiration — occurs at 0.97% in this ZIP, a drop of 8.6% over the past five years; rising nonrenewal often signals insurer retreat from high-risk markets.

Across 5 years (2018–2022), premiums in ZIP 06378 have risen by 0.9%, ranging from $3,404 to $3,461 with a five-year average of $3,424 — an annualized rate of +0.2% per year. FIO data aggregates voluntary reporting from the 40 largest homeowners insurers, covering roughly 80% of the U.S. market, so figures represent market averages rather than individual policy quotes; your own premium will vary with dwelling value, deductible, coverage limits, construction type, and insurer-specific underwriting. This page is educational research only and is not insurance advice — homeowners should request quotes from multiple licensed carriers or an independent agent before purchasing or renewing coverage.