The 4 Best Connecticut Homeowners Insurance Companies

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Connecticut’s Northeastern locale puts the state’s homeowners at risk for wintertime damage like frozen pipes and snow-collapsed roofs, as well as summer flooding and wind damage from tropical storms and waning hurricanes. Due to these weather challenges and lofty property values, Connecticut’s average homeowners insurance premiums are pretty high. The annual average premium in the Nutmeg State is $1,411 — more than $200 above the national average.

Certain factors, such as the age of your Connecticut home and which provider you choose to insure with, can absolutely affect how much you’re paying in premiums. Searching for a policy that will provide the coverage you need in the event of an emergency at a price you’re comfortable paying can seem like an impossible task. That’s why we’ve outlined our picks for the top Connecticut homeowners insurance providers and included an online quote tool so you can easily get started.

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.

Travelers

Travelers has been offering consistently well-rated and high-quality insurance services to Connecticut residents for over a century. The company is backed by an A+ financial rating from A.M. Best and gets 4.3 out of a potential 5 stars for customer satisfaction based on national consumer complaint data.

Travelers’ homeowners insurance policy is comprehensive and affordable, with plenty of additional savings opportunities. A standard Connecticut homeowners insurance policy from Travelers can be supplemented with extra valuables protection, increased protection from elements (including earthquakes, floods, and landslides), and umbrella coverage to safeguard against a liability suit.

In addition to their standard discounts, such as 15% off for policy bundling and remaining claim-free, Travelers also features a sustainability discount: Going green will not only save you big on energy bills and during tax season, but Travelers will further reduce your homeowners insurance premium by 5% if your home is LEED certified “green.”

Travelers’ Prepare and Prevent online resource center provides excellent educational resources and valuable information for homeowners, from preventative care to dealing with the aftermath of a natural disaster.

Chubb

Chubb has been consistently rated an A+ for financial strength by A.M. Best and has nabbed a place on Forbes’ list of “America’s 100 Most Trustworthy Companies” — so you can be confident with the quality of service you’ll receive as a customer.

Chubb excels in their comprehensive standard policy offerings, which include perks that typically cost extra among its competitors. The company’s extended replacement cost feature, for example, will pay to rebuild or repair your home after a covered loss even if the cost of doing so is beyond your set policy limits. Other Chubb perks include free home appraisal services to determine the replacement value of your home, identity protection services, cash settlement in the event of a total loss, and additional living expenses in the event that your home is rendered unlivable after you experience a loss.

In addition to providing affordable comprehensive coverage, Chubb helps you save further by offering a wide breadth of premium discounts. Standard discounts include those for installing protective devices, insuring a new or recently renovated home, and bundling multiple policies. Connecticut homeowners can receive additional price cuts on their policy for residing in a gated community or suburb, insuring a home with masonry construction, opting for add-on valuables coverage, and going claim-free for a specified period of time.

Liberty Mutual

Liberty Mutual is the largest underwriter of Connecticut homeowners insurance policies — and with good reason. The company offers more premium discount opportunities than many of its competitors. Customers can save with Liberty Mutual by bundling their policies, not filing a claim for an established period of time, having a newly purchased or recently renovated home, and more. Liberty Mutual also extends special price breaks to customers that belong to certain businesses and organizations that are part of the company’s affiliate group savings network.

A standard Liberty Mutual policy protects your home and personal belongings, and provides additional living expenses coverage if your home is not in livable condition after a covered loss. Add-on coverage options include valuables coverage, personal liability insurance, and the Home Protector Plus feature, which pays for any unexpected costs that may arise when rebuilding or repairing your home.

If your home experiences a loss, filing a claim with Liberty Mutual is a pain-free process. you can either contact their 24/7 claims line, go online, use their mobile app, or visit a local office to kick off the process. Liberty Mutual also offers round-the-clock emergency repair services, so your home can be restored back to safety with no added wait time.

Allstate

Allstate offers a wide range of coverage options, with policies available for nearly every type of standard dwelling in Connecticut including single-family homes, condos, farms, and mobile homes. Allstate even provides coverage for very old homes, a relatively rare offering in the homeowners insurance market —  and one that’s widely applicable to Connecticut’s housing stock.

Allstate’s extensive add-on coverage options make it simple to craft a customized policy and provide increased protection for the things that matter most to you — whether it be sports equipment, family heirlooms, musical instruments, electronic data, or your home office.

The educational resources and tools available through Allstate are top of the line. The Premium Gauge tool, for example, allows you to see how specific variables, like the age of your home or installing a burglar alarm, will affect the price of your premium. Their Digital Locker tool helps you to compile a room-by-room running inventory of your covered possessions, along with pictures and their condition, so you can cut out the guesswork and efficiently recover your losses after a disaster. Visit the Allstate website for videos, articles, and useful checklists to help you better manage your policy and answer any questions you may have about being a homeowner.

The 4 Best Connecticut Homeowners Insurance Companies

  • Travelers
  • Chubb
  • Liberty Mutual
  • Allstate

Find the Best Home Insurance

Enter your ZIP code below and be sure to click at least 2-3 companies to find the very best rate.