Insurance in Fairfield, CT
Insurance in Fairfield, CT
Fairfield ranges from barrier-beach cottages to large lots in the north end. We help Fairfield owners and landlords get the right home, flood and auto coverage, with more than one carrier to compare.
Fairfield questions we hear
Is flood insurance a big deal in Fairfield?
Along the beach, yes. The Army Corps of Engineers reported in 2016 that Fairfield had the most homes damaged in Fairfield County during Sandy. Most of that damage was along Fairfield Beach and in the low neighborhoods between Pine Creek and Ash Creek.
I rent my Fairfield Beach house to college students. What should I carry?
A landlord policy rather than a homeowners policy, with liability limits sized for a house full of guests. Ask about an umbrella too. The town requires a Certificate of Rental Occupancy every time tenants change and caps the Beach District at four unrelated occupants.
Does living in Greenfield Hill change anything?
Inland, the bigger questions are replacement cost for larger and older homes, valuables such as jewelry and art, and wind and tree damage. Flood usually matters less there.
Fairfield Beach Road after Sandy
Fairfield Beach is a barrier beach. When the Sound tops it, the water has only two ways back out, through Ash Creek to the east and Pine Creek to the west, so the neighborhoods behind the beach can stay flooded for a long time. At Pine Creek Point, the Corps found that Sandy’s waves destroyed several homes outright. Local reporting counted six Fairfield homes washed out to sea and 24 more condemned.
Many of the houses on the beach have been raised or rebuilt since then. Your flood premium depends on details such as the elevation certificate, the foundation type, and whether there’s an enclosure below the lowest floor. We go through those with you before quoting.
Southport, the train, and three Metro-North stations
Fairfield has three stations on the New Haven Line: Fairfield Metro, Fairfield Center and Southport. I-95 crosses the south end of town and the Merritt Parkway crosses the north. If you take the train most weekdays, low annual mileage can lower your auto premium, so tell us roughly how many miles you drive. Businesses on the Post Road and Black Rock Turnpike can get a business owner’s policy that bundles property and liability.
Fairfield to our Stratford office
From Sullivan Independence Hall on the Old Post Road, the drive is about 13.5 miles using I-95, Route 8 and the Merritt. Expect roughly 20 minutes outside rush hour.
Route estimate: OpenStreetMap / OSRM
Fairfield lines we write
- Flood · Flood for the beach area, Pine Creek and Ash Creek
- Landlord · Landlord for beach rentals and two-family homes
- Homeowners · Homeowners for Southport, Stratfield and Greenfield Hill
- Umbrella · Umbrella for higher-value households
Homeowners · Auto · Renters · Condo · Landlord · Flood · Boat · Motorcycle · Umbrella · Business
Talk to an agent about your Fairfield 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