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Best homeowners insurance in Connecticut for 2023

Updated Jan 03, 2023
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Quick Facts
Moneybag
$382/year
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
Circle Check
100% of homes
need insurance before getting a mortgage
See more providers in
Choose from insurers in
Mortgage

Leaving so soon? Your custom quotes are just minutes away.

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How Bankrate chose the best home insurance companies in Connecticut

Bankrate uses several factors to determine the companies with the best homeowners insurance in Connecticut. We use Quadrant Information Services to gather updated rates for each company using a sample profile. Each homeowners insurance quote is obtained on a 40-year-old married couple who are claims-free with a good credit history, comparing the same coverage limits and deductibles to get a true sense of the cost comparisons among Connecticut homeowners insurance companies. To further assist you when shopping for the best Connecticut homeowners insurance, we created the Bankrate Score. Scores are rated on a five-point scale and considers factors including the company’s coverage offerings, financial strength, customer experience scores from third-party rating companies, affordability and mobile and online presence and capabilities.

Best home insurance in companies in Connecticut

The average annual cost of Connecticut home insurance is $1,216 per year for $250k in dwelling coverage. USAA, Amica and Farmers are our top three Connecticut insurance carriers, based on our research. When researching Connecticut home insurers, we first obtained average premium information from Quadrant Information Services. After analyzing the data, we also reviewed customer satisfaction scores from the J.D. Power 2022 U.S. Home Insurance Study, available coverage, as well as discount and policy features offered by each company. To help you find the best Connecticut homeowners insurance for your needs, you may want to consider quotes from the following companies:

USAA
Rating: 3.7 stars out of 5
3.7
Bankrate Score
Info
J.D. Power
884
/1,000
AM Best
A++
Average monthly premium
$70
Average annual premium
$834
Get a quote
State Farm
Rating: 3.2 stars out of 5
3.2
Bankrate Score
Info
J.D. Power
829
/1,000
AM Best
A++
Average monthly premium
$85
Average annual premium
$1,014
Read review
Amica
Rating: 3.5 stars out of 5
3.5
Bankrate Score
Info
J.D. Power
849
/1,000
AM Best
A+
Average monthly premium
$98
Average annual premium
$1,175
Read review
Farmers
Rating: 2.9 stars out of 5
2.9
Bankrate Score
Info
J.D. Power
792
/1,000
AM Best
A-
Average monthly premium
$116
Average annual premium
$1,396
Get a quote
Travelers
Rating: 3.3 stars out of 5
3.3
Bankrate Score
Info
J.D. Power
794
/1,000
AM Best
A++
Average monthly premium
$147
Average annual premium
$1,769
Get a quote
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This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

*Average rates are for annual policies with $250,000 in dwelling coverage.

**Not officially ranked with J.D. Power due to eligibility restrictions.

Best home insurance company for military-related needs

J.D. Power:
884 /1,000
AM Best:
A ++
Avg. annual premium for 250k dwelling
$ 834
USAA Insurance review

Explore Bankrate's review

Best home insurance company for local offices

J.D. Power:
829 /1,000
AM Best:
A ++
Avg. annual premium for 250k dwelling
$ 1,014
State Farm Insurance review

Explore Bankrate's review

Best home insurance company for customer satisfaction

J.D. Power:
849 /1,000
AM Best:
A +
Avg. annual premium for 250k dwelling
$ 1,175
Amica Insurance review

Explore Bankrate's review

Best home insurance company for customizable policies

J.D. Power:
792 /1,000
AM Best:
A -
Avg. annual premium for 250k dwelling
$ 1,396
Farmers Insurance review

Explore Bankrate's review

Best home insurance company for optional coverages

J.D. Power:
794 /1,000
AM Best:
A ++
Avg. annual premium for 250k dwelling
$ 1,769
Travelers Insurance review

Explore Bankrate's review

Advertising Disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.
Mortgage

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers.
Location-Icon
Your information is kept secure
Caret DownCaret Up
Caret DownCaret Up
Field is required
Powered by Coverage.com (NPN: 19966249)
Insurance Disclosure

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Quick Facts
Moneybag
$382/year
average savings through Bankrate
Two Thirds
2 out of 3 homes
are underinsured
Insurance Home
1 out of every 20
insured homes makes a claim each year
Circle Check
100% of homes
need insurance before getting a mortgage
See more providers in
Choose from insurers in
Mortgage

Leaving so soon? Your custom quotes are just minutes away.

How much is homeowners insurance in Connecticut?

In Connecticut, the average cost of homeowners insurance is $1,184 per year for $250,000 in dwelling coverage, which is less than the national average of $1,312 per year. Connecticut homeowners may pay less premium than the national average due to many properties having a reduced risk of being impacted by major hurricanes (Categories 3-5) that can leave devastating impacts on homes. Unlike other coastal states such as Florida and Mississippi, Connecticut homes are generally a bit safer from the impacts of hurricanes.

However, homeowners insurance in Connecticut can still be expensive because of its location along the Atlantic coast. Homes in coastal areas may be more susceptible to damage from wind, rain and tropical systems, which can cause extensive damage. Additionally, Connecticut’s harsh winter climate could also increase the risk of cold-weather home damage, such as burst pipes from freezing temperatures or roof damage from heavy snow.

Home insurance in Connecticut

Connecticut homeowners may want to evaluate and consider their state’s unique features to better understand their property insurance coverage needs. The common causes of loss in Connecticut might inform what coverage you choose to purchase.

Common causes of property losses in Connecticut

It is possible that your Connecticut home could be damaged by weather, fire, theft or other situations, so having homeowners insurance can help to protect you from hefty out-of-pocket expenses to repair damages or replace lost items. Additionally, the coastal position of the state puts it at risk for flooding. Tropical Storm Henri made landfall in Connecticut on August 22, 2021, causing flooding and leaving thousands without power. Specifically, Connecticut homeowners are at an increased risk of:

  • Roof damage: Damage to the roof is a common cause of loss for homeowners in Connecticut due to the heavy snow and ice during the winter months.
  • Wind damage: High winds from storms can cause damage to siding and roofs and can propel flying objects, tree limbs or entire trees into your house.
  • Flooding: Flooding is a common cause of damage due to Connecticut’s location near the Atlantic Ocean.
  • Identity theft: As our society becomes increasingly reliant on digital technology, the risk of identity theft increases for all consumers.

When shopping for homeowners insurance, you may want to talk to a company representative or local agent to discuss the common causes of loss in your area. Understanding what is most likely to cause damage may help you choose appropriate coverages.

Home insurance coverage options in Connecticut

If you are buying home insurance in Connecticut, there are a few types of coverage that you may want to consider, on top of the standard coverage types, like dwelling coverage and personal liability:

  • Flood insurance: Damage caused by flooding is not covered by homeowners insurance, so you may want to consider purchasing a separate flood insurance policy from FEMA’s National Flood Insurance Program or a private insurer. Some insurers offer flood insurance endorsements as well to your standard homeowners policy. You can use FEMA’s flood map to determine if your home is located in a high-risk flood zone, but be aware that flooding can happen anywhere, as 90% of U.S. natural disasters include flooding, according to the Insurance Information Institute.
  • Identity theft coverage: This optional coverage helps to pay for the costs associated with restoring your identity if it is stolen. Insurers usually offer professional guidance for how to handle identity theft as well.
  • Roof replacement cost: The availability of this option will vary by insurer and will depend on how old your roof is. If your roof qualifies, this coverage pays out the actual cost of repairs or replacement if your roof is damaged, rather than having depreciation taken out of your settlement.

Every company offers different optional coverage, so talking with an agent may be helpful when choosing endorsements.

Frequently asked questions

Written by
Mandy Sleight
Insurance Contributor

Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.

Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute