Insurance in Shelton, CT
Insurance in Shelton, CT
Shelton runs from the downtown riverfront up to the farms of White Hills. We cover Shelton homes, cars and businesses from our office a few miles down the river in Stratford.
The river is Shelton’s flood question, not the beach
Shelton has no coastline, but the Housatonic still floods. When Irene came through in August 2011, the city ordered a mandatory evacuation of the Maples, a neighborhood on the riverbank. The river was running at about 54,000 cubic feet per second, close to the 1955 record, according to the city’s emergency management director.
Downtown has changed a lot since then. There’s new housing along Canal Street, including Cedar Village at the Locks, and the Riverwalk connects across the Derby-Shelton Bridge to the Derby Greenway. If you rent or own near the water, renters and condo policies don’t cover rising-river damage, so ask about flood coverage for your contents.
Huntington, White Hills and a lot of big trees
In that same storm, more than 100 large trees fell across Shelton’s roads, and about 42% of the city lost power. Fire officials said Huntington was hit hardest, and one tree landed on a ranch house off Long Hill Avenue. For the wooded lots in White Hills and Huntington, check two things on your homeowners policy: how much it pays for tree removal, and whether it covers food spoilage during a long outage.
Shelton questions we hear
I live on a hill in White Hills. Why would I need flood coverage?
Most hilltop homes don’t, and we won’t push it. Flood is a real question on streets that run down to the Housatonic or the smaller brooks. We can check your street against the FEMA map.
I drive Route 8 to Bridgeport or Waterbury every day. Does that change my rate?
Your mileage and use count, and Connecticut insurers rate where the car is garaged, so a Shelton address is rated as a Shelton address. Commuting more miles can raise the price, and some carriers offer driving-app discounts that may help.
I just moved into one of the new apartments on Canal Street. What do I need?
A renters policy for your belongings and personal liability. The building’s insurance doesn’t cover your things. Some landlords also ask tenants for proof of coverage.
Down the river to Stratford
Shelton City Hall on Hill Street is about 6.0 miles from us. Nearly all of it is Route 110, which follows the Housatonic south, and it takes about 12 minutes without traffic.
Route estimate: OpenStreetMap / OSRM
Shelton coverage we handle
- Homeowners · Homeowners for Huntington, White Hills and Long Hill
- Renters · Renters for riverfront apartments downtown
- Business · Business coverage for offices and shops on Bridgeport Avenue and the Route 8 corridor
- Umbrella · Umbrella for households with teen drivers or a pool
Homeowners · Auto · Renters · Condo · Landlord · Flood · Boat · Motorcycle · Umbrella · Business
Talk to an agent about your Shelton policy
ASK Insurance
88 Ryders Lane, Suite 210
Stratford, CT 06614
860-613-5929
ask@askinsurancect.com
South Hadley, MA: by appointment.
Nearby town pages