Insurance in West Haven, CT
Insurance in West Haven, CT
West Haven has more public beach than any other town in Connecticut, and its shoreline neighborhoods have flooded more than once. We help West Haven owners, renters and drivers sort out what their policies actually cover.
Old Field Creek, Beach Street and the Cove River
The city says its three miles of beach on Long Island Sound make up a quarter of Connecticut’s public beaches. During Sandy, stretches of Beach Street and First Avenue were under about five feet of water. NBC Connecticut called the area around Old Field Creek one of the hardest-hit parts of the city, and several flood-prone homes on Third Avenue Extension were later torn down. Sandy’s surge also overwhelmed the Cove River tide gates and flooded the West Haven High ballfields.
Since then the city has dredged the Old Field Creek marsh, fixed the creek’s tide gate, and lined up state and federal money to raise about 3,750 feet of Beach Street and First Avenue. Those projects lower the risk without removing it. If your house is near Beach Street, First Avenue or either creek, get a flood quote and keep your elevation certificate handy.
Savin Rock’s waterfront
A year before Sandy, Irene heavily damaged several coastal properties at Savin Rock, according to the National Weather Service. Today a 1.7-mile path links the city’s beaches, from Bradley Point Park east to the Sandy Point Beach & Bird Sanctuary. It’s a great place to live near the water. In FEMA’s mapped high-risk zones, though, a mortgage lender will require flood insurance.
West Haven questions we hear
I’m a University of New Haven student renting in West Haven. What do I need?
A renters policy for your belongings and personal liability. If several unrelated students share a house, each one usually needs their own policy. Your parents’ homeowners policy may extend some coverage to you, so check it first.
I work at the VA hospital and take the train. Can low mileage lower my auto rate?
Often, yes. West Haven has its own Metro-North station, opened in 2013. If you drive less because of it, tell us your annual mileage, because many carriers rate on it.
Does a raised Beach Street mean I can drop my flood policy?
Not without checking first. The road project reduces how often streets flood, but your premium and any lender requirement depend on your building’s elevation and FEMA zone. Talk to us before you cancel anything.
West Haven to Stratford
From City Hall on Main Street, it’s about 10.9 miles to us using I-95 and Route 15. Count on around 17 minutes when traffic is light.
Route estimate: OpenStreetMap / OSRM
West Haven coverage
- Flood · Flood for the shoreline, Old Field Creek and Cove River
- Homeowners · Homeowners for houses in Allingtown and the hills above the beach
- Renters · Renters for UNH students and VA staff
- Auto · Auto for I-95 and Route 1 drivers
Homeowners · Auto · Renters · Condo · Landlord · Flood · Boat · Motorcycle · Umbrella · Business
Talk to an agent about your West Haven 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