By Jon Merwin, Founder and CEO
Norwalk homeowners insurance depends a lot on which Norwalk you live in. Rowayton and East Norwalk sit on the harbor and Long Island Sound, SoNo and the neighborhoods along the Norwalk River are a mix of older multi-family houses and newer condos, and the northern side of the city looks more like its suburban neighbors. Add a busy harbor full of boat owners, and the right policy looks different from street to street.
Portsmouth Atlantic Insurance is a family-owned independent agency founded in 2005 and licensed in 10 states. We compare home coverage from 40+ carriers, charge no agency fees, and serve Norwalk homeowners from New Hampshire, with a Fairfield County office coming soon. Call (603) 431-4020.
Homeowners insurance in Norwalk
Rowayton, East Norwalk and the harbor
Waterfront homes face wind and storm surge from the Sound. Coastal Connecticut policies often carry a separate hurricane or named-storm deductible, usually a percentage of the dwelling limit, so we show you what that means in dollars before you pick a policy. Docks and seawalls are often limited or excluded, so ask how yours is treated.
The Norwalk River and flood
Homeowners policies exclude flood. We write NFIP policies through Selective, a Write Your Own carrier, and compare private flood from Flow Flood, Neptune Flood, Beyond Floods, The Flood Insurance Agency, CatCoverage and Aon Edge. Check your address on the FEMA Flood Map Service Center. See our Fairfield County flood insurance guide for more.
Low-lying properties along the Norwalk River can flood in heavy rain, not just in coastal storms. For more, see coastal home insurance in Connecticut.
Two- to four-family houses and condos
If you live in one unit and rent the others, a standard homeowners policy may not fit; you may need a landlord or dwelling fire policy, plus loss-of-rents coverage. See Connecticut apartment building insurance for 5+ unit buildings and landlord insurance. Condo owners need an HO-6 policy that fills gaps in the association master policy.
Boats
A homeowners policy gives very little coverage for boats. Most Norwalk boat owners need a separate boat policy, and a personal umbrella can extend liability over home, auto and boat.
Larger homes
For homes over about $3 million, see our Connecticut high-value home insurance page. Nearby, we also insure homes in Darien, Wilton and New Canaan.
Get your quote
Tell us about the house and we will follow up with options. Prefer to talk? Call (603) 431-4020 or use our quote page.
Frequently asked questions
Do I need flood insurance in Norwalk?
Consider it if you are near the harbor, the Sound or the Norwalk River. Homeowners policies exclude flood, and lenders require it in FEMA special flood hazard areas for federally backed mortgages.
I own a two-family house and live in one unit. What policy do I need?
It depends on the carrier and the setup. Some homeowners policies cover an owner-occupied two-family; others require a landlord or dwelling fire policy. Tell us how the house is used.
Does my homeowners policy cover my boat?
Only in a very limited way. Most boats need a separate boat policy.
Which carriers do you use for Norwalk homes?
For most Norwalk homes, valued under about $2 million, most of our 40+ carriers are options, including Cincinnati for homes with typically $150,000 or more in dwelling coverage. Above about $3 million, Cincinnati is our go-to, with Chubb, which focuses on high-value homes, alongside it above $5 million.
Do you charge agency fees?
No. We do not charge agency fees on any policy, including home, auto, flood, umbrella and landlord coverage.
By Jon Merwin, Founder and CEO
Family-owned since 2005, with 1,000+ Google reviews and over 2,000 testimonials across our two offices. Meet our team.
Norwalk is part of our Connecticut service area. See our Connecticut insurance agency page for other towns we serve.