Find the Best Homeowners Insurance Rates and Companies in Connecticut
The median home value in Connecticut is nearly $355,572. If you own a home in Connecticut, chances are your home is your most important asset. You’ll want to protect it from threats like fire, theft, vandalism, and severe weather. What’s more, you’ll want to protect your assets from the costs of lawsuits if you are sued for something that happens on your property. You can do this with homeowners insurance in Connecticut.
An independent insurance agent can help you find the best home insurance in Connecticut. Independent agents can help you get quotes from multiple insurance companies so that you can make the best choice for your needs and budget.
Best Homeowners Insurance Companies in Connecticut
Many insurance companies in Connecticut offer home, car, and business insurance. The following are some of the best homeowners insurance companies Connecticut. They are highly rated for their mix of valuable coverage offerings and competitive pricing.
- Hanover Insurance Group: Together with local independent agents, Hanover Insurance Group offers you tailored home insurance coverage options for your needs with the services and convenience you expect.
- Progressive: Progressive is based in Ohio, but offers homeowners insurance across all 50 states, including Connecticut. Connecticut residents can look to Progressive for most of their personal insurance needs.
- Travelers: Travelers offers highly rated homeowners insurance in Connecticut. It can meet your additional personal insurance needs with a full line of products including auto, boat, identity theft, umbrella, and other coverages.
- Stillwater Insurance Group: Stillwater is a national personal and commercial lines carrier with rock-solid financial stability. The company can help you with your homeowners insurance needs in Connecticut.
- Safeco: Safeco has been protecting individuals and families since 1923. The company offers homeowners insurance in Connecticut, as well as a comprehensive range of other personal insurance policies. Working through independent agents, Safeco makes it easy to get the best mix of coverage and pricing.
An independent insurance agent in your area can help you learn more about these and other homeowners insurance companies in CT. A local agent can help you get competitive quotes for the coverage that fits your insurance needs in Connecticut.
What Homeowners Insurance in Connecticut Can Cover?
Homeowners insurance is designed to cover certain types of property damage in Connecticut. The biggest risks to property in Connecticut include hurricanes, severe storms and lightning, heavy snow, flooding and water damage, and burglary and property crimes.
And Connecticut has even experienced quite a few natural disasters:
- Number of declared disasters in Connecticut since 1953: 36
- Most common types of disasters in Connecticut: Hurricanes and severe storms
- Average number of tornadoes per year in Connecticut: 2
- Average amount of property damage claims per year in Connecticut: $536,638,000
When these kinds of events damage your home or your belongings, your home insurance policy in Connecticut will help you with the following types of coverage:
- Dwelling coverage: Covers your house and attached structures. It also covers items like plumbing, heating, and permanently installed air conditioning systems, and electrical wiring.
- Other structures coverage: Protects other structures on the property such as detached garages, tool sheds, retaining walls, and so on.
- Personal property coverage: Protects the contents of your home and other personal belongings owned by you or family members who live with you.
- Loss of use coverage: Helps you with additional living expenses if your home is damaged by a covered peril (e.g., a fire) and you cannot live in your home while repairs are being made. It typically covers expenses like housing, meals, storage, and more, as long as they are in line with your usual living expenses.
- Personal liability coverage: Provides coverage if you or a resident of your household is responsible for causing property damage or an injury to someone else.
A local independent insurance agent can help you find the best homeowners insurance in Connecticut.
What Homeowners Insurance in Connecticut Will Not Cover?
Homeowners insurance in Connecticut excludes coverage for certain losses. It does not cover everything that can go wrong with your home or on your property.
First, the liability coverage in your homeowners insurance policy has certain limitations. If you hurt someone because of an intentional act, your liability coverage will not cover you. You can find all the exclusions to your liability coverage in your policy documents.
Moreover, your property coverage will not cover every type of property damage you might encounter. Almost all homeowners insurance policies in Connecticut exclude coverage for property damage caused by the following:
- Ordinance or law (e.g., demolition or construction required to bring your house up to code)
- Earth movement (e.g., earthquakes, sinkholes, landslides)
- Water damage due to floods, sewer backups, and water that seeps through the foundation
- Power failure
- Neglect
- War
- Nuclear hazard
- Intentional acts
- Governmental action (e.g., destruction, confiscation, or seizure of covered property by any governmental or public authority)
- Loss to property resulting from faulty zoning, bad repair or workmanship, faulty construction materials, and defective maintenance
To avoid any surprises down the road, be sure to understand what your home insurance in Connecticut does and does not cover when you decide to purchase a policy.
Flood Damage in Connecticut
Flooding can be a significant concern for many homeowners, but homeowners insurance in Connecticut does not cover flood damage.
Flooding can be a problem in some areas of Connecticut. In fact, it is one of the top five risks for homeowners in the state. Some areas of the state will have a higher likelihood of flooding than others.
It’s important to discuss your need for supplemental flood insurance with your independent insurance agent.
If necessary, your agent can help you purchase flood insurance from the National Flood Insurance Program (NFIP), a program established by the federal government to help homeowners recover after a flood event.
Average Cost of Homeowners Insurance in Connecticut
Connecticut is the 11th most expensive state for home insurance in the US. The average cost of homeowners coverage in Connecticut is higher than the national average.
- National average yearly premium: $1,211
- Connecticut average yearly premium: $1,479
Every insurance company has a different formula for calculating insurance premiums. They basically want to predict how risky you are to insure or how likely you are to file a costly claim.
If your property’s location comes with more hazards than most, expect to pay more. You will also pay more if your home will cost more to repair or rebuild than others. Insurance companies may evaluate the following risk factors to determine your home insurance cost in Connecticut:
- The size, age, and value of your house
- Whether the property is your primary residence or a second home
- The number of stories in your house and whether it has a basement
- The crime, weather, and disaster risks in your area
- Your previous home insurance claims history
The best way to make sure you are getting the best price for your unique home is to compare quotes from multiple insurance companies. A local independent insurance agent can help you get home insurance quotes in Connecticut.
Average Connecticut Home Insurance Costs by City
National average burglary rate 3.76 per 1,000 people
National average home value $269,000
National average home insurance cost $1,428 year
| City | Avg. home value | Burglaries (per 1k residents) | Annual insurance cost |
| Bridgeport | $174,700 | 4.01 | $1,652 |
| Bristol | $195,155 | 2.33 | $1,049 |
| Danbury | $314,300 | 1.49 | $1,107 |
| Fairfield | $499,963 | 1.55 | $2,144 |
| Greenwich | $742,507 | 0.76 | $1,467 |
| Hamden | $297,427 | 2.19 | $1,882 |
| Hartford | $208,682 | 6.02 | $1,585 |
| Manchester | $292,118 | 2.30 | $1,096 |
| Meriden | $188,114 | 2.76 | $1,878 |
| New Britain | $169,313 | 5.77 | $1,271 |
| New Haven | $229,634 | 5.71 | $1,839 |
| Norwalk | $435,800 | 1.64 | $1,753 |
| Stamford | $532,700 | 1.73 | $1,887 |
| Waterbury | $140,706 | 5.04 | $1,276 |
| West Hartford | $334,300 | 3.09 | $1,898 |
Popular Questions about Connecticut Home Insurance
The average cost of homeowners insurance in Connecticut is around $123 per month. That's more than the national average of $101 per month. Home insurance costs in Connecticut will vary depending on your level of risk and several other factors.
The main purpose of homeowners insurance is to cover property damage. Homeowners insurance in Connecticut also includes homeowners liability coverage. It protects you when someone claims you have caused an injury or property damage.
Be sure to discuss with your insurance agent the importance of making sure you don’t have any gaps in your coverage. Ask your agent about replacement cost coverage and what it means, as well as the need for optional coverage like water/sewer backup coverage, flood insurance, and more.
The most common causes of property losses for homeowners in Connecticut are:
- Hurricanes and tropical storms
- Severe storms and lightning damage
- Heavy snow
- Flooding and water damage
- Burglary and other property crimes
It’s important to understand your risk for these problems in your own home, and how your homeowners insurance in Connecticut can help.
Homeowners insurance rates in Connecticut are not one-size-fits-all. Insurance companies calculate your rates by looking at your home, the risk factors for your neighborhood, and your specific coverage needs.
If you live in a ZIP code with a high crime rate or one that is highly susceptible to natural disasters, you can expect to pay more than someone living in a safer area.
It’s important to make sure that your homeowners insurance in Connecticut includes dwelling coverage, contents coverage, loss of use coverage, and personal liability coverage. What’s more, your home insurance policy should include replacement cost coverage, which ensures the replacement of damaged property with similar materials at today’s prices.
One of the best ways to save on your home insurance in Connecticut is to take advantage of discounts offered by your insurance company. Most insurance companies offer a discount if you simply bundle your home and auto insurance with them (usually called a multi-policy discount). Other common discounts include:
- Home security discount
- Senior citizen discount
- Good credit discount
- New home discount
- Roof certification discount
An independent insurance agent can help you make sure you maximize the discounts that you are eligible for.
Yes. Connecticut has 278 independent insurance agencies to choose from when selecting home insurance. Independent insurance agents work for you free of charge, ensuring that you get the best options for an affordable rate.
Homeowners insurance is not required in Connecticut. But your mortgage lender will require you to have homeowners insurance and will require proof that you have it. With over $536 million in home insurance claims paid in Connecticut in one year alone, proper home insurance protection is necessary to avoid major loss.
Searching for the best and most affordable homeowners insurance in Connecticut can be frustrating and confusing. That’s why it pays to have an experienced insurance professional in your corner.
Instead of getting an online quote, find an independent insurance agent in Connecticut now, and get one-on-one consultation and affordable options for the best coverage for your unique needs. Your agent will work with you free of charge, offering you a variety of options so you can make the best choice.
Contact an agent today for a free, no-obligation consultation.
Do You Know What Your Connecticut Home Insurance Covers?
Average Cost of Home Insurance Near You
Average monthly cost of home insurance in Bridgeport, CT: $138
Keep in mind, this is just an average rate. Your actual rate may be higher or lower depending on factors such as which Bridgeport neighborhood you live in, the value of your house and property, the size of your deductible, and your creditworthiness.
Homeowners in Bridgeport have a significant risk of damage caused by severe storms like hurricanes. Storms like Superstorm Sandy in 2012 can often bring damaging wind and heavy rain to the area. Fortunately, storm damage is covered by your homeowners insurance. However, this city is also susceptible to storm surges and flash flooding, but flood damage is not covered by home insurance. For this, you will need a supplemental flood insurance policy.
Average monthly cost of home insurance in Hartford, CT: $132
Your homeowners insurance is completely customized according to details about your house and other considerations like your claims history, your deductible amount, and the crime rate and weather risks in your ZIP code. Because of this, your monthly premium may be higher or lower than this city average. The best way to make sure you are paying a reasonable price for your coverage is by comparing rates from a few competing insurance companies.
One of the most devastating catastrophes a homeowner can experience is a residential fire. In addition to severely damaging your house, a fire can lead to a total loss of your personal belongings including your furniture, electronics, collectibles, and clothing. In times of loss, you may take solace in knowing that your homeowners insurance has you covered. This insurance cannot bring back your irreplaceable precious items like photographs and letters, but it can give you peace of mind in knowing you can afford to rebuild and replace damaged property, as necessary.
Average monthly cost of home insurance in New Haven, CT: $153
Your house is not likely to be the same as your neighbor’s. While everyone in your neighborhood may face the same crime and weather risks, there are many more variables that go into calculating home insurance rates. Your premium will also be based on factors like the size and value of your home, the age of your roof, your claims history, and the size of your deductible. Your monthly rate for New Haven homeowners insurance may therefore be higher or lower than this average.
New Haven has a high crime rate when compared with the rest of the state. Residents of this city report about 800 burglaries every year. It is therefore important that you take precautions to help secure your home when you are away, such as stopping mail delivery and putting lights on timers. If you have burglar alarm installed in your house, you may even qualify for a discount on your home insurance premiums. If your home is broken into and your valuables are stolen, your home insurance can cover your losses.
Average monthly cost of home insurance in Stamford, CT: $157
Of course, what you may actually be expected to pay is likely to differ from this average amount. Your rates will be calculated according to factors like the size of your home, the crime rate and weather risks in your ZIP code, the age of your roof, your credit rating, the amount of your deductible, and more.
Winter storms and freezing temperatures can be a problem in Stamford. Heavy snow can damage roofs and lead to ice dams, which can damage gutters, soffits, fascia, and eaves. If pipes freeze in your home, they can burst and cause significant water damage to your walls, floors, and property. Fortunately, when you have a solid homeowners insurance policy, you can rest assured that your winter-damaged home can be returned to normal without needing to face a large personal expense.
Average monthly cost of home insurance in Waterbury, CT: $106
Homeowners insurance rates in Waterbury can vary significantly from one homeowner to the next. Your actual rate will be based on factors like the size, value, and location of your home, the age of your roof, the materials used in your home’s construction, and even your credit score.
One of the most common hazards faced by homeowners in Waterbury is that of severe storm damage. When hurricanes and tropical storms make landfall along the Eastern Seaboard, they can bring heavy rain and damaging wind to the area. Sometimes these storms can even generate tornadoes. If your house sustains significant damage, such as if heavy wind topples a tree and it damages a structural wall of your home, your homeowners insurance can help you rebuild, repair, or replace your damaged property. This insurance can even help you pay for a hotel if you are temporarily displaced while your home is being brought back to code.
https://www.neighborhoodscout.com/ct/real-estate
https://www.fema.gov/data-visualization/disaster-declarations-states-and-counties