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Best cheap homeowners insurance in Hartford for 2022

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According to the 2021 U.S. Census, an estimated 24% of people in Hartford, CT own a home. To protect your investment, having a home insurance policy is valuable. In Hartford, the average annual home insurance premium is $1,076 for $250,000 in dwelling coverage, which is slightly below the Connecticut state average premium of $1,184 per year.

There are dozens of home insurance companies in Connecticut that serve Hartford homeowners, and finding the right carrier for you takes careful research and comparison. To help you get started, Bankrate reviewed some of the largest home insurance carriers using premium data from Quadrant Information Services and third-party J.D. Power ratings to find the best providers in Hartford.

The best home insurance in companies in Hartford

We did extensive research to bring you the best Hartford homeowners insurance companies. We considered the cost of their policies, coverage options and discounts alongside J.D. Power customer satisfaction ratings. Taking all of that into account, here are our top picks.

Home insurance company Average annual premium for $250k dwelling coverage J.D. Power customer satisfaction score
Allstate $1,234 829 / 1000
Amica $1,015 854 / 1000
State Farm $797 835 / 1000
USAA $1,152 882 / 1000

Allstate

Allstate’s J.D. Power customer satisfaction score of 829/1,000 place it just slightly above average. The company offers a wide range of coverage options and discounts, including unique add-ons like yard and garden coverage, green improvement reimbursement coverage and sports equipment coverage. The company has an informative website where people can research the company before committing to a plan, which makes it a good choice for first-time home insurance buyers. In addition to home insurance, Allstate also offers other types of insurance, including renters, business, landlord pet and event policies.

Learn more: Allstate insurance review

Amica

Amica was rated the best home insurance company for overall customer satisfaction in J.D. Power’s 2021 Home Insurance Study. Hartford homeowners can purchase a variety of different coverages from Amica, like the Platinum Choice® Home package, which comes with nine endorsements. In addition to traditional home insurance discounts, Amica also offers dividend policies that can help you recoup a portion of your premiums at the end of the year. Amica offers many different types of insurance, making it a one-stop-shop for people looking to take advantage of bundled discounts and savings.

Learn more: Amica insurance review

State Farm

State Farm was rated fourth on J.D. Power’s list of the best home insurance companies for overall customer satisfaction. Out of all the providers we reviewed, State Farm has the lowest average rates for Hartford homeowners, with an average premium of $797 per year. While State Farm does not offer many endorsements, there are discounts available, including generous savings for policy bunding and having a newer roof. Across the board, State Farm has solid third-party ratings, as well as an easy-to-use website and highly-rated mobile app. State Farm also offers car, boat, motorcycle, business, umbrella insurance and more.

Learn more: State Farm insurance review

USAA

For military, veterans and their eligible family members, USAA is a great choice for home, auto and life insurance. USAA technically has the highest overall customer satisfaction score from J.D. Power, with a rating of 882/1,000, but because it has eligibility requirements, it does not meet the study criteria for official ranking. All USAA home insurance policies include military uniform coverage and identity theft protection, with the option to add several endorsements. The discounts available include savings for having a home security system, being claim-free and bundling two or more policies.

Learn more: USAA insurance review

How much is homeowners insurance in Hartford?

In Hartford, the average annual cost of home insurance is $1,076 for a policy with $250,000 in dwelling coverage. That is below the average rate in Connecticut, which is $1,184 per year. For comparison, the average cost of home insurance in the United States is $1,312 per year. The price of home insurance in Connecticut is based on some unique factors, including weather-related events like, wind storms, winter weather and wildfires.

Home insurance in Hartford

To find the best home insurance in Hartford, CT, it’s important to understand what risks you might face as a homeowner, such as wind, hail, fires and storm surges near the coast.

Common causes of loss in Hartford

Homes in Hartford are susceptible to certain weather-related perils. Fortunately, home insurance will cover most of the damage from these types of natural disasters and weather events. Below are some of the most common causes of loss in the city:

  • Rain and wind: Strong storms often bring heavy rain and wind to the Hartford area. This can lead to issues like roof damage, water damage, leaks and damage to other structures on your property, like fences.
  • Storm surges: Connecticut ranks 14th on the list of states with the biggest storm surge risk. The Insurance Information Institute estimates that 67,433 homes could be impacted by a category five storm.
  • Wildfires: Hartford experiences wildfires, especially in the spring months from mid-March to May. If you live near a heavily wooded area, a wildfire could spread and cause damage to your house.

Home insurance coverage options in Hartford

When getting quotes for homeowners insurance in Hartford, CT, several coverage types are built into the basic policy, including dwelling and personal belongings coverage. However, many insurers offer optional endorsements and separate policies that provide coverage for perils that your standard policy does not cover. Here are some add-ons that can provide greater protection for your home:

  • Guaranteed replacement cost: Inflation has an impact on many things, the cost of construction included. With guaranteed replacement cost, your dwelling and belongings coverage increases each year to keep up with inflation, so even if your home is completely gone after a covered loss, it could be rebuilt at the present rates.
  • Scheduled high-value items: A standard home insurance policy has limits on coverage for high-value items like collectibles, jewelry, guns and silverware. Most companies will offer a way to schedule high-value items with a receipt or appraisal.
  • Flood insurance: Though most homeowners insurance companies in Hartford offer hail and wind coverage, flooding is not covered by standard home policies. Instead, residents should consider purchasing a separate flood insurance policy to protect their home and belongings against water damage caused by flood.

Frequently asked questions

What’s the cheapest homeowners insurance in Hartford?

How much you pay for your home insurance depends on several factors, from the value of your house to the safety of your neighborhood to your credit score. The best way to make sure you’re getting the most affordable policy possible is to get quotes from at least a few insurance providers.

How do I get homeowners insurance in Hartford?

To get home insurance in Hartford, first identify a few providers that meet your specific needs, whether it’s affordable rates or a specific endorsement. The next step is to get quotes from each company for the type of coverage and amount of coverage you want. You should then compare the quotes from each provider to see which company can offer you the best rate. Many home insurance companies allow you to purchase a policy online, but you can also work with an agent in-person or over the phone.

How much home insurance do I need?

Insurance experts recommend that you have enough coverage to protect you in the event of a major disaster, but the more coverage you buy, the more you’ll pay. A lot of insurers offer a home insurance calculator you can use to get an idea of how much protection you need. Talking to a local agent can help you feel peace of mind that you’re getting the right coverage.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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: $250,000
  • Coverage B, Other Structures: $25,000
  • Coverage C, Personal Property: $125,000
  • Coverage D, Loss of Use: $50,000
  • Coverage E, Liability: $300,000
  • 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 may be different.

Written by
Elizabeth Rivelli
Insurance Contributor
Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others
Edited by
Insurance Editor