What is the best homeowners insurance in Connecticut?

Finding the best homeowners insurance in Connecticut starts with figuring out what is most important to you as an insured. It may be the cost, available coverages, how many discounts you can qualify for, or company features, such as mobile and online accessibility, financial strength or customer satisfaction scores. Once you figure out your preferences, shop around for multiple quotes from different companies with the right attributes to find the one with the best price. Our findings for the best Connecticut homeowners insurance companies are Amica, Farmers, Travelers and USAA.

What is the cheapest homeowners insurance in Connecticut?

The cheapest homeowners insurance in Connecticut will be different for every policyholder. Your annual premium is based on a number of factors, including the age of your home, the size of the structure and property, geographic location, building materials used, your claims history and the coverage you choose. Getting quotes from multiple companies may help you find the coverage you are looking for at a lower price.

What is covered under my homeowners insurance policy?

The situations covered by your policy depend on what type of home insurance policy you have. Numerous homeowners insurance policy forms exist, although an HO-3 is the standard policy most insurers write. You may also customize your policy with additional coverage through endorsements or floaters. Reviewing your policy with your agent is generally the best way to understand your specific coverage. Your policy also includes a declarations page highlighting coverage and limits, deductibles and the claims-filing process.

Best Homeowners Insurance in Connecticut for 2023

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Quick Facts

$382/year

average savings through Bankrate

2 out of 3 homes

are underinsured

1 out of every 20

insured homes makes a claim each year

100% of homes

need insurance before getting a mortgage

See more providers in

Choose from insurers in

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

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.

Bankrate utilizes Quadrant Information Services to analyze 2022 current rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits:
- Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000, $750,000
- Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000, $75,000
- Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000, $375,000
- Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000, $150,000
- Coverage E, Liability: $300,000, $300,000, $300,000, $300,000, $500,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.
Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best home insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for homeowners, we analyzed quoted premiums based on 40-year-old male and female homeowners with a home policy with $250,000 in dwelling coverage. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which homeowners may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

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:

Insurance company	J.D. Power	AM Best	Average monthly premium	Average annual premium
USAA Rating: 3.7 stars out of 5 3.7 Bankrate Score	J.D. Power 884 /1,000	AM Best A++ (Superior)	Average monthly premium $70	Average annual premium $834	Get a quote
State Farm Rating: 3.2 stars out of 5 3.2 Bankrate Score	J.D. Power 829 /1,000	AM Best A++ (Superior)	Average monthly premium $85	Average annual premium $1,014	Read review
Amica Rating: 3.5 stars out of 5 3.5 Bankrate Score	J.D. Power 849 /1,000	AM Best A+ (Superior)	Average monthly premium $98	Average annual premium $1,175	Read review
Farmers Rating: 2.9 stars out of 5 2.9 Bankrate Score	J.D. Power 792 /1,000	AM Best A- (Excellent)	Average monthly premium $116	Average annual premium $1,396	Get a quote
Travelers Rating: 3.3 stars out of 5 3.3 Bankrate Score	J.D. Power 794 /1,000	AM Best A++ (Superior)	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.

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.

*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

USAA

3.7 Bankrate Score

USAA Insurance review

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

USAA offers Connecticut homeowners the cheapest rates on average among the carriers we studied, but is only available to active service members, veterans and their immediate family members. For those that qualify, USAA offers basic home insurance coverage types, with the option to add coverage for home sharing and earthquake insurance. Active duty and deployed military members also get automatic coverage for uniforms and equipment, and policyholders get replacement cost on contents in many cases. Although USAA only offers a few potential discounts, its affordable average rates make up for it, as does its stellar customer service reputation.
Pros
Low average rates compared to competitors we studied

Consistently high J.D. Power customer satisfaction ratings
Cons
Strict eligibility requirements

Only available online or over the phone for policy and claims management

Connecticut city	USAA average annual premium for $250K dwelling
Bridgeport	$951
Hartford	$822
New Haven	$934
Stamford	$877
Waterbury	$793

USAA Insurance review

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Best home insurance company for local offices

State Farm

3.2 Bankrate Score

State Farm Insurance review

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

State Farm is the largest insurance company in the U.S. by market share, so you may not be surprised to find it on our list of best homeowners insurance in Connecticut. With more than 75 agents across the state, State Farm could be an excellent choice for homeowners who prefer to do business in person. It’s important to note, though, that State Farm also scored second in the J.D. Power 2022 U.S. Insurance Digital Experience Study, making the company a contender for tech-savvy customers. State Farm does have a higher-than-average number of complaints with the National Association of Insurance Commissioners (NAIC), so homeowners who prize top-notch customer service may want to do more research before making their decision.
Pros
Plenty of local offices available

Highly-rated mobile app and online customer portal for policy management
Cons
Higher-than-average NAIC complaints

May have fewer potential discounts than competitors

Connecticut city	State Farm average annual premium for $250K dwelling
Bridgeport	$914
Hartford	$965
New Haven	$1,088
Stamford	$880
Waterbury	$1,080

State Farm Insurance review

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Best home insurance company for customer satisfaction

Amica

3.5 Bankrate Score

Amica Insurance review

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

Amica received the highest official J.D. Power score of the Connecticut home insurers Bankrate reviewed, which may not be surprising given the company’s reputation for excellent customer service. It also has average homeowners rates below the Connecticut average. Amica offers several optional coverage types and potential discounts that may help you customize your policy. The company’s most unique feature, though, is its dividend policies, which may pay you back up to 20 percent of your annual policy premium. However, Amica scored below the segment average in the J.D. Power 2022 U.S. Insurance Digital Experience Study in both the service and sales categories. Shoppers who prefer hands-on policy management via mobile app or website may want to read online reviews to see if Amica is a good fit.
Pros
High customer satisfaction scores with J.D. Power

May earn dividends
Cons
Tech may be lacking functionality per J.D. Power scores

Only one agency located in Connecticut

Connecticut city	Amica average annual premium for $250K dwelling
Bridgeport	$1,579
Hartford	$1,125
New Haven	$1,566
Stamford	$1,258
Waterbury	$1,249

Amica Insurance review

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Best home insurance company for customizable policies

Farmers

2.9 Bankrate Score

Farmers Insurance review

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

Although Farmers’ average homeowners insurance premium is higher than Connecticut’s average premium, it may still be worth getting a quote, especially if you want to customize your insurance coverages to your specific needs. Farmers offers home insurance in three packages: standard, enhanced and premier. Within these packages, you can choose optional endorsements to tailor your policy to your needs. You may also be able to save if you are a non-smoker, by installing a home alarm system or bundling your home and auto coverage.
Pros
Preset coverage packages with optional endorsements streamline policy customization

Non-smokers may earn a discount
Cons
Average rates are higher than the Connecticut average

Ranked second to last for overall customer satisfaction per J.D. Power

Connecticut city	Farmers average annual premium for $250K dwelling
Bridgeport	$1,545
Hartford	$1,469
New Haven	$1,798
Stamford	$1,471
Waterbury	$1,303

Farmers Insurance review

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Best home insurance company for optional coverages

Travelers

3.3 Bankrate Score

Travelers Insurance review

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

Besides the standard coverages you would likely expect from a home insurance policy, Travelers offers several optional coverages, such as contents replacement cost, water backup, identity theft, green home coverage and special personal property. Travelers offers a few potential discounts, like multi-policy, home buyer, claims-free, protective devices and green home discounts. But Travelers is also the most expensive carrier on average on our Connecticut home insurance list, and it falls far below average for customer satisfaction in the J.D. Power Home Insurance Study.
Pros
Unique potential discounts and coverage options for green homes

Travelers’ OpenHouse tool allows you to see past damage and repairs done to your home
Cons
Average rates are far above the Connecticut average

Low J.D. Power customer satisfaction scores

Connecticut city	Travelers average annual premium for $250K dwelling
Bridgeport	$1,043
Hartford	$1,668
New Haven	$1,272
Stamford	$1,054
Waterbury	$1,103

Travelers Insurance review

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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.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers.

Zip code

Your information is kept secure

What brings you to Bankrate?

Do you own or rent this home?

Own Rent

Square Footage

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

$382/year

average savings through Bankrate

2 out of 3 homes

are underinsured

1 out of every 20

insured homes makes a claim each year

100% of homes

need insurance before getting a mortgage

See more providers in

Choose from insurers in

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.

CONNECTICUT CITY AVERAGE ANNUAL PREMIUM FOR $250K DWELLING COVERAGE

Bridgeport $1,361

Hartford $1,297

New Haven $1,541

Stamford $1,115

Waterbury $1,334

CONNECTICUT CITY	AVERAGE ANNUAL PREMIUM FOR $250K DWELLING COVERAGE
Bridgeport	$1,361
Hartford	$1,297
New Haven	$1,541
Stamford	$1,115
Waterbury	$1,334

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

Finding the best homeowners insurance in Connecticut starts with figuring out what is most important to you as an insured. It may be the cost, available coverages, how many discounts you can qualify for, or company features, such as mobile and online accessibility, financial strength or customer satisfaction scores. Once you figure out your preferences, shop around for multiple quotes from different companies with the right attributes to find the one with the best price. Our findings for the best Connecticut homeowners insurance companies are Amica, Farmers, Travelers and USAA.
The cheapest homeowners insurance in Connecticut will be different for every policyholder. Your annual premium is based on a number of factors, including the age of your home, the size of the structure and property, geographic location, building materials used, your claims history and the coverage you choose. Getting quotes from multiple companies may help you find the coverage you are looking for at a lower price.
The situations covered by your policy depend on what type of home insurance policy you have. Numerous homeowners insurance policy forms exist, although an HO-3 is the standard policy most insurers write. You may also customize your policy with additional coverage through endorsements or floaters. Reviewing your policy with your agent is generally the best way to understand your specific coverage. Your policy also includes a declarations page highlighting coverage and limits, deductibles and the claims-filing process.

Best homeowners insurance in Connecticut for 2023

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How Bankrate chose the best home insurance companies in Connecticut

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Best home insurance in companies in Connecticut

USAA

State Farm

Amica

Farmers

Travelers

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How much is homeowners insurance in Connecticut?

Connecticut homeowners insurance rates by city

Home insurance in Connecticut

Common causes of property losses in Connecticut

Home insurance coverage options in Connecticut

Frequently asked questions

What is the best homeowners insurance in Connecticut?

What is the cheapest homeowners insurance in Connecticut?

What is covered under my homeowners insurance policy?