Best homeowners insurance in Hartford for 2021

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Two out of three people in the state of Connecticut own their homes. That’s great news for their ability to build equity — but it’s not-so-great news when something goes wrong at home. Whether you’re dealing with the aftermath of a fire, theft or a bad interaction with a litigation-leaning neighbor, your home insurance coverage can step in.

That is, provided you have a policy in place. If you’re currently looking for a policy, shop for a policy that protects you against things like wind damage, theft, fire damage, liability and water damage. You should also get enough personal property coverage to replace everything you own if it gets damaged during a covered event.

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 their J.D. Power Ranking for customer satisfaction. Taking all of that into account, here are our top picks.

Home insurance company Average annual premium for $250K dwelling J.D. Power customer satisfaction score
Allstate $1,234 829 / 1000
Amica $1,015 853 / 1000
MetLife $900 824 / 1000
State Farm $797 829 / 1000
USAA $1,152 889 / 1000

Allstate

Allstate earns good ratings from third-parties like J.D. Power and has a comprehensive, informative website so people can research the company before committing to a plan. Allstate offers a wide range of coverage options and discounts. This company also offers other types of insurance, including homeowners, renters, business, landlord, motorcycle, pet and event policies.

Amica

Amica offers auto, home, life, retirement and more, making it a one-stop-shop for people looking to take advantage of bundled discounts and savings. Amica has median rates in our list of the best homeowners insurance companies in Hartford, CT, but has high customer satisfaction ratings to back up their average rates. Amica is third to USAA and Country Financial on the 2020 Home Insurance Study and #2 on the J.D. Power 2020 U.S. Property Claims Satisfaction Study.

Metlife

Metlife has competitive pricing and other insurance policy options such as dental, disability, life and vision. Metlife partners with several organizations for group discounts and offers payment plans and identity protection services to eligible policyholders.

State Farm

State Farm has solid third-party ratings and has an easy-to-use website. The variety of discounts may help people save money on premiums. State Farm also offers car, boat, motorcycle, business and umbrella insurance.

USAA

For military, veterans and their eligible family members, USAA is a great choice for home, auto and life insurance. USAA gets high ratings from J.D. Power studies for home insurance and claims satisfaction, showing you get what you pay for with this company. For those able to take advantage of USAA’s excellent customer satisfaction in Hartford, CT, USAA is one of the best homeowners insurance carriers.

Average homeowners insurance cost in Hartford

Across the state, the average annual cost is $1,076, compared to the national average cost of $1,477 per year. That’s thanks, in part, to Connecticut’s exposure to hurricanes. Though not directly on the coast, Hartford residents still see their fair share of hurricanes and the devastation that comes with it.

While you might pay more to insure your home in Hartford than your friends in Massachusetts who are further inland (and consequently better protected during hurricane season), you can be glad that you’ll be paying less than people who live right along the coast. The average cost for homeowners insurance in MA is $1,258 while Rhode Island residents will pay $1,096.

Home insurance considerations in Hartford

To find the best home insurance in Hartford, CT, it’s important to know which coverages to choose. Home insurance experts recommend getting coverage to protect you financially from the most common causes of losses in Connecticut.

Hartford common causes of loss

According to the Insurance Information Institute, wind or hail are the most frequently filed claims, yet fire and lighting are the costliest. It’s estimated that one in 20 homes with insurance will file a claim each year.

Connecticut ranks #14 on the list for storm surge risk, which makes Hartford residents more susceptible to wind, hail and flood damage. Hurricane Sandy, the second most costliest hurricane in the U.S., hit Connecticut and the rest of the Northeast states hard.

Though most homeowners insurance companies in Hartford offer hail and wind coverage, flood insurance is not covered by the standard home policy. Instead, residents should consider purchasing a separate flood insurance policy to protect their home and belongings against water damage caused by flood.

Common coverages in Hartford

When getting quotes for homeowners insurance in Hartford, CT, there are several coverages that are built into the basic policy, including dwelling and personal belongings coverage. Each company offers different coverage options and add-ons. Some people elect for these additional coverages for greater protection:

  • Additional living expenses: Also called Loss of Use, this coverage pays for the additional cost to live somewhere temporarily if you’re displaced from your home due to a covered loss. This may also pay for clothes, food, gas and other expenses.
  • 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.
  • Personal liability: This may provide financial protection if you are sued because of something you did or caused, whether bodily injury or property damage to another person.
  • 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.

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?

Every insurance provider we highlighted above will let you start the quote process on its website. With a few clicks, you’ll be well on your way toward getting your quote — and your policy.

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.

Rates are determined based on 2020 Quadrant Information Services data.

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.com, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.