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Best homeowners insurance in Connecticut for 2024

Updated Jun 01, 2024

USAA, Amica, State Farm, Travelers and Farmers have the best home insurance in Connecticut, according to Bankrate’s analysis.

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Compare the best homeowners insurance companies in Connecticut

Across all carriers in the state, the average cost of homeowners insurance in Connecticut is $1,677 a year, or $140 a month, per data from Quadrant Information Services. Your rate may differ based on an array of factors, so experts recommend comparing quotes from several companies prior to choosing a home insurance provider.

Our insurance editorial team analyzed AM Best financial strength ratings, J.D. Power customer satisfaction scores, average premiums, digital conveniences and more to inform our list of the best homeowners insurance companies. We awarded each a Bankrate Score out of five points to reflect our findings. Top performers include USAA, Amica, State Farm, Travelers and Farmers.

Insurance company J.D. Power Average monthly premium Average annual premium
881
/1,000
$91
$1,096
844
/1,000
$123
$1,477
829
/1,000
$113
$1,358
790
/1,000
N/A
N/A
800
/1,000
$127
$1,525
*Premiums are for $300K in dwelling coverage **USAA not officially ranked by J.D. Power due to eligibility restrictions

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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.

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.

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Bankrate's trusted insurance industry expertise

Read our full methodology

The home insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers information they need to make educated decisions when shopping for home insurance.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

The top 5 home insurance companies in Connecticut

Best for military-focused coverage

USAA

4.7

Rating: 4.7 stars out of 5

Avg. premium for $300K dwelling

$91/mo

Avg. premium for $300K dwelling

$1,096/yr

Customer satisfaction

881/1,000

Best for customer satisfaction

Amica

4.6

Rating: 4.6 stars out of 5

Avg. premium for $300K dwelling

$123/mo

Avg. premium for $300K dwelling

$1,477/yr

Customer satisfaction

844/1,000

Best for local offices

State Farm

4.2

Rating: 4.2 stars out of 5

Avg. premium for $300K dwelling

$113/mo

Avg. premium for $300K dwelling

$1,358/yr

Customer satisfaction

829/1,000

Best for optional coverage

Travelers

4.1

Rating: 4.1 stars out of 5

Avg. premium for $300K dwelling

Not available

Avg. premium for $300K dwelling

Not available

Customer satisfaction

790/1,000

Best for local offices

Farmers

3.6

Rating: 3.6 stars out of 5

Avg. premium for $300K dwelling

$127/mo

Avg. premium for $300K dwelling

$1,525/yr

Customer satisfaction

800/1,000

Additional Connecticut home insurance companies to consider

Encompass

Encompass

Who this may be best for

Homeowners who want to streamline their home and auto insurance.

Encompass is a regional insurance provider that offers homeowners, auto, personal umbrella insurance and more. It underwrites policies in Connecticut, so homeowners who want to pay a single premium and manage one account for multiple policies should check out Encompass. Be aware that although the company has robust online services, it has received a higher-than-average number of overall complaints, according to the NAIC, although its home insurance product earns a below-average index.

Narragansett Bay Insurance Company

Narragansett Bay Insurance Company

Who this may be best for

Homeowners who want great customer service and low premiums.

Narragansett only operates in a handful of New England states, but it boasts homeowner insurance rates that are typically well below the national average. Policyholders can personalize their coverage and enjoy a variety of discounts. However, Narragansett does not offer auto insurance, so homeowners will have to find a separate insurance provider for their vehicles.

Cheapest home insurance companies in Connecticut

To help you save time researching companies, it helps to know which providers typically offer the cheapest rates in the state. The following providers offer some of the most competitive premiums in Connecticut according to rates from Quadrant Information Services. Keep in mind that homeowners coverage and rates vary between providers, so read through policy quotes carefully to find the best cheap home insurance in Connecticut.

Carrier Monthly premium for $300k coverage Annual premium for $300k coverage Savings vs state avg. for $300k coverage
$59
$704
- $973
$91
$1,096
- $581
Narragansett Bay
$96
$1,150
- $527
$113
$1,358
- $319
$123
$1,477
- $200

How Bankrate chose the cheapest home insurance companies in Connecticut

Bankrate’s insurance editorial team determined these best companies based on up-to-date rates from Quadrant Information Services. The companies represent the cheapest options of the most prominent or popular insurance providers in Connecticut.

How to get cheap home insurance in Connecticut

Home insurance isn’t a legal requirement in Connecticut. But if you own a home, purchasing home insurance to protect your investment is a smart idea. Here are the steps you may want to follow to find the cheapest and best home insurance in Connecticut:

  1. Think about your coverage needs: Consider how much coverage you need for your home and your personal belongings. Also, think about what endorsements you might need, like flood insurance or valuable items coverage.
  2. Research insurance companies: Look into multiple insurance companies to see which ones can offer you the coverage you need within your budget. Also, consider reviewing discounts, third-party ratings and online/mobile policy management tools for each insurer.
  3. Get multiple quotes: Get quotes from several insurance companies. Ideally, you’ll want to get quotes for the same types and amounts of coverage (or as close as you can get) for the most accurate comparison.
  4. Purchase the policy that suits your needs best: An insurance company that offers the coverage you want at the best price will most likely be at the top of your consideration. Many providers make it easy to purchase coverage online after you receive your quote.

Best home insurance discounts in Connecticut

Many Connecticut home insurance companies offer discounts that can help those who qualify save money on their policies. Discount opportunities vary among providers, but here are some of the most common:

If you have no recent insurance claims on your record, some insurance providers may discount your premium.
Purchasing a car insurance policy (or another insurance product) along with your home insurance could result in a bundling discount.
If you’re insuring a newly purchased home or newly built home, you might qualify for a discounted premium.
If your home has certain safety systems, such an alarm system or a fire sprinkler system, you may qualify for a discount — although it depends on which home insurance company you have.

How to save on home insurance policy renewals in Connecticut

Once you’ve found the insurance provider for you, you can find ways to continue saving on your home insurance premium. Here’s how you can potentially save at renewal time:

  • Maintain your roof: Not only is a new roof less likely to become damaged in severe weather, but it also does a better job of protecting your home and personal items. Plus, a new roof often qualifies for a discount.
  • Improve your credit score: Although it takes time to work on your credit, earning a better score can unlock cheaper rates over time at renewal.
  • Limit your claims: While homeowners insurance is meant to protect your finances after covered perils, frequently filing claims could cause your insurance company to raise your premium or decide not to renew your policy.
  • Install wind and flood mitigation updates: Your insurance provider might give you a discount if you’ve improved your home and gotten a home inspection. Popular improvements include retrofitting your roof to be more wind-resistant, installing storm or hurricane shutters, installing roof fasteners and installing impact-resistant windows.

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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.

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How much is home insurance in Connecticut?

In Connecticut, the average cost of homeowners insurance is $1,677 per year for $300,000 in dwelling coverage, which is 25 percent less than the national average of $2,230 per year. Connecticut homeowners may pay a lower premium than many other states due to many properties having a reduced risk of being impacted by major hurricanes (Categories 3 to 5).

However, the average home insurance cost in Connecticut can still be somewhat expensive because of its coastal location. Additionally, the state’s harsh winter climate could expose homes here to burst pipes from freezing temperatures or roof damage from heavy snow.

Connecticut homeowners insurance rates by city

  • Staffordville: $1,348 per year — 20 percent below state average
  • Somersville: $1,353 per year — 19 percent below state average
  • Mansfield Depot: $1,361 per year — 19 percent below state average
  • South Willington: $1,363 per year — 19 percent below state average
  • Stafford Springs: $1,368 per year — 18 percent below state average
  • New Haven: $2,185 per year — 30 percent above state average
  • Niantic: $2,054 per year — 22 percent above state average
  • Mystic: $2,042 per year — 22 percent above state average
  • Groton: $2,038 per year — 21 percent above state average
  • East Lyme: $2,031 per year — 21 percent above state average

*Rates are for $300,000 in dwelling coverage.

What does home insurance cover in Connecticut?

Part of shopping for homeowners insurance is recognizing what coverage you need in your policy. Since most Connecticut homeowners live on the coast, these homeowners may want to find a policy that covers water or flood damage. This might mean getting a separate policy. Here are some of the most common types of damage that standard Connecticut home insurance covers:

  • Wind and hail
  • Fire and lightning
  • Water damage and freezing
  • Theft and all other property damage

Additional home insurance coverage types 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. Endorsements are optional coverage types that can fill gaps in your regular policy. Here are some endorsements that might be beneficial to Connecticut homeowners:

  • Flood insurance: Damage caused by flooding is not covered by homeowners insurance, so you might want to purchase a separate flood insurance policy from the Federal Emergency Management Agency (FEMA) National Flood Insurance Program or a private insurer. 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. In fact, 90 percent of natural disasters in the U.S. involve flooding.
  • 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 on how to handle identity theft, as well.
  • Roof replacement cost: The availability of this option will vary by insurer and will depend on the age of your roof. If your roof qualifies, this coverage pays out the actual cost of repairs or replacement if your roof is damaged, rather than the depreciated value.

Your circumstances will determine which optional coverage types suit you best, so talking with an insurance professional may be helpful when choosing endorsements.

Related content:

Common Connecticut home insurance problems

The Connecticut home insurance market is still competitive, although some insurance providers are charging more for insuring homes along the coast. Since the majority of Connecticut homeowners live along the shoreline, residents need to shop around for the best home insurance rates.

Here are some other challenges facing Connecticut homeowners:

  • Rising insurance rates: The cost of repairs or rebuilds is significantly higher due to inflation and the severity of damage. Many insurers pass additional expenses off to policyholders in the form of higher rates.
  • Unable to get an insurance policy: Some companies are reevaluating whether or not to underwrite new policies in Connecticut. This can make it difficult for new homeowners to find the coverage they need.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze June 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on married male and female homeowners with a clean claim history, good credit and the following coverage limits:

  • Coverage A, Dwelling: $150,000, $300,000, $350,000, $450,000, $750,000
  • Coverage B, Other Structures: $15,000, $30,000, $35,000, $45,000, $75,000
  • Coverage C, Personal Property: $75,000, $150,000, $175,000, $225,000, $375,000
  • Coverage D, Loss of Use: $30,000, $60,000, $70,000, $90,000, $150,000
  • Coverage E, Liability: $500,000
  • Coverage F, Medical Payments: $1,000

The homeowners also have a $1,000 deductible, a $500 hail deductible and a 2 percent hurricane deductible (or the next closest deductible amounts that are available) where separate deductibles apply. 

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores

Our Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories. 
5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.
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