Easton, CT Home Insurance

By Jon Merwin, Founder and CEO

Home · Larger Homes · Trees & Wind · Flood · Umbrella · Easton, Connecticut

Portsmouth Atlantic Insurance is an independent agency founded in 2005 and licensed in 10 states. We are New Hampshire’s highest-rated agency on Google, with 1,000+ Google reviews and over 2,000 testimonials. We shop each Easton home across 40+ carriers. Start with Connecticut homeowners insurance, or read on.

Easton at a glance

The 2024 MetroCOG Natural Hazard Mitigation Plan Update calls Easton one of the region’s three inland communities. It covers 28.8 square miles of rolling, hilly terrain, from 110 feet at the Fairfield line to about 740 feet at the Newtown line. The U.S. Census Bureau estimates 7,838 residents as of July 1, 2025.

The plan says the town is almost exclusively residential, mostly single-family houses on large lots, with no industry and about 0.1% of land in commercial use. It counts 2,741 housing units, 83% owner-occupied (2017–2021 ACS). Over a third of Easton is current or former water company land, and four public supply reservoirs, Easton, Aspetuck, Hemlock and Saugatuck, lie partly or wholly in town. About 2,300 acres of the Centennial Watershed State Forest are in Easton.

For insurance, that means single-family homes on large lots with a lot of trees. Each home should be insured at today’s cost to rebuild, not market value.

What drives home insurance in Easton

• Trees and wind. The plan says that in a June 24, 2010 thunderstorm, straight-line winds believed to be over 80 mph caused significant tree damage in Easton, and toppled trees damaged homes, causing over $30,000 in damage. It says the town has increased tree inspections to make Easton more resilient to high winds and utility outages.
• Brooks and rivers. The plan lists problem areas: the Aspetuck River at Silver Hill Road and at Wells Hills Road, Morehouse Brook at Morehouse Road, Cricker Brook at Beers Road and at Morehouse Road, and the headwaters of Patterson Brook at Route 136 and Tatetuck Brook at Route 59.
• Flash floods. On September 25, 2018, the plan says Congress Street flooded from the Mill River, Dogwood Drive was overtopped in two places by Morehouse Brook and a tributary, two homes flooded directly, and emergency crews performed 50 water rescues.
• History. The plan says the October 1955 flood was Easton’s largest on record, washing out the Valley Road and Center Road bridges over the Aspetuck River.

Flood coverage in Easton

Easton joined the NFIP on September 30, 1983, and its effective flood map is dated June 18, 2010, according to the plan. State data in the plan, as of December 2, 2023, shows 19 policies in force with $5,652,000 in coverage, and 18 closed paid losses totaling $190,176. FEMA data in the plan lists one repetitive loss property in Easton. The plan also credits large-lot zoning and preserved watershed land with reducing flood damage in town. A homeowners policy will not pay for a brook or river over its banks, or for surface water. Flood is its own policy, and it is worth pricing even outside a mapped zone. Check your address on the FEMA Flood Map Service Center.

• NFIP through Selective. We write National Flood Insurance Program policies through Selective, a Write Your Own carrier. The NFIP covers up to $250,000 for the building and $100,000 for contents. New policies generally have a 30-day waiting period (see FloodSmart), so buy before storm season, not during it.
• Private flood. When a home costs more than the NFIP building limit to rebuild, or you want coverage the NFIP leaves out, we compare Flow Flood, Neptune Flood, Beyond Floods, The Flood Insurance Agency, CatCoverage and Aon Edge. Each one decides address by address.
• Elevation certificates. If you have one, send it. If the house has been raised or has flood vents, it can make a real difference in how flood carriers rate it.

See our flood insurance overview and our Fairfield County flood insurance guide. Water backup (sewer, drain or sump pump failure) is an add-on to homeowners; flood is separate. If your basement is finished, ask about both. See basement flooding coverage and our flood insurance overview.

Trees, wind and winter claims

Fallen trees, wind damage, roof damage from snow, ice dams and frozen pipes are generally homeowners claims, subject to your deductible and policy terms. A tree that falls without hitting anything usually isn’t covered, and removing a dying tree before it falls is maintenance. Some Connecticut policies carry a separate hurricane or named-storm deductible, so know that number in dollars.

If your power goes out in a winter storm, a whole-house generator, a monitored low-temperature alarm and a water leak shutoff can prevent the largest winter losses, and some carriers credit them.

Larger homes

Under about $2 million to rebuild, almost all of our 40+ carriers can fit, so we compare the full field. Cincinnati and Chubb are similar high-value carriers that compete with each other and write homes at any dwelling limit, so we quote both, and we add Openly for homes up to $5 million. Whatever the size, we build the dwelling limit around the cost to rebuild, not the market value, and look at extended or guaranteed replacement cost where offered.

See high-value home insurance in Connecticut.

Rentals, condos and older homes

Your HO-6 condo policy covers what the association’s master policy does not: usually your interior, improvements, belongings, liability and loss assessments. If you rent out a house in Connecticut, you need a dwelling or landlord policy; we place Connecticut landlord and dwelling policies with Vermont Mutual, Andover, Liberty Mutual, Hanover, Providence Mutual and Foremost. It covers the building, lost rent and your liability. For an older home, carriers will ask the age of the roof, heating, wiring and plumbing.

Renters and tenants in Easton

If you rent in Easton, your landlord’s policy covers the building, not your belongings or your liability. A renters policy covers both, plus extra living costs after a covered loss. We shop renters coverage across our carriers, and Progressive Home is one of them; we use Progressive Home for renters policies only. Landlords who own two- to four-family buildings can see landlord insurance.

Auto, umbrella and the rest of the household

Most Easton households also need auto insurance, and many add a personal umbrella. We quote them with the home so the liability limits line up, and we put rentals, second homes, boats and valuables under the same review. One agent, one renewal conversation.

Common coverage gaps we see in Easton

• A dwelling limit based on the purchase price or assessed value instead of the cost to rebuild
• No water backup coverage on a house with a finished basement
• Personal property limits that have not kept up with what the household actually owns
• Liability limits on the home and auto that do not line up with an umbrella, or no umbrella at all
• No ordinance or law coverage on an older home that would need code upgrades after a loss
• A dwelling limit set years ago and never updated to rebuilding cost
• No water backup endorsement on a home with a finished basement
• No flood policy on a home near the Aspetuck, the Mill River or Morehouse Brook

Most of these are straightforward to fix once someone reads the declarations pages side by side, and that is the first thing we do in a review.

Before storm season in Easton

• Know your hurricane or named storm deductible in dollars, not just as a percentage
• Photograph or video each room so a contents claim is easier to document
• Keep your declarations pages, flood policy and any elevation certificate somewhere you can reach from your phone
• If you are thinking about flood coverage, buy it well ahead of a storm because of the waiting period
• Have an arborist look at large trees near the house, the driveway and the power line

Buying a home in Easton

Start the insurance conversation before you are under contract, not the week of closing. Send us the listing and the inspection report when you have it. The report answers most of what carriers ask: roof age, electrical panel, heating, plumbing and any water in the basement. Ask about large trees near the house, the age of the roof and systems, and whether the home has ever had a flood or water claim. We line up the homeowners binder, and a flood binder if you need one, so both are ready for your lender.

How a Easton home quote works

• Tell us about the house: address, year built, square footage, roof age and updates to wiring, plumbing and heating.
• Send your current declarations page so we can compare like for like and point out limits that look short.
• We shop the carriers that fit and lay the options out side by side, with the differences in coverage, deductibles and storm terms, not just price.
• You choose, and we handle the switch, including your mortgage company and the effective date, so there is no gap.

Serving Easton from our nearby Fairfield office

We serve Connecticut from our nearby Fairfield office at 1885 Post Road and by phone, email and online. Call (203) 859-6858. Nearby, see our Weston high-value home, Trumbull and Monroe pages, or our Connecticut insurance agency page.

Sources

• Connecticut Metropolitan Council of Governments, 2024 Natural Hazard Mitigation Plan Update
• U.S. Census Bureau, Vintage 2025 subcounty population estimates
• FEMA Flood Map Service Center
• FloodSmart, buying a flood policy

Get a quote

Tell us about the property and we will compare carriers and follow up with options. Prefer to talk? Call (203) 859-6858.

Frequently asked questions

Do you insure homes in Easton, CT?

Yes. We serve Connecticut from our nearby Fairfield office at 1885 Post Road and by phone, email and online. Call (203) 859-6858.

Does Easton flood?

In places. The 2024 MetroCOG hazard plan lists problem spots along the Aspetuck River, Morehouse Brook and Cricker Brook, and says two homes flooded in a September 2018 storm. State data in the plan shows 18 paid flood losses in Easton. Check your address on the FEMA Flood Map Service Center.

Does homeowners insurance cover a flooded basement?

Not from flood. Water backup from sewers, drains or a sump pump is an add-on, and rising or surface water needs a flood policy.

Who writes your NFIP flood policies?

We write NFIP policies through Selective, and we compare private flood from Flow Flood, Neptune Flood, Beyond Floods, The Flood Insurance Agency, CatCoverage and Aon Edge.

Do I have to buy if I request a quote?

No. Requesting a quote doesn’t obligate you to buy anything, whether it’s for homeowners, condo, renters, landlord, dwelling or auto coverage.