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The Best Homeowners Insurance Companies in Connecticut
America’s top-rated home insurance
- Policies starting at just $25/month
- Sign up in seconds, claims paid in minutes
- Zero hassle, zero paperwork
There are plenty of home insurance options to choose from in Connecticut, but the state’s coastline, and the weather patterns it brings, can lead to homeowners paying higher premiums compared to the national average. Homeowners on the coastline aren’t the only residents who need coverage, either. No matter where you live in the Constitution state, you need to make sure your insurance policy is enough to fully cover your home in case of a natural disaster of any kind.
Whether you have a coastal home or a historic home, your policy should match your individual needs. The only way to achieve this is to know which lenders offer the policies, coverage and other perks that you’re looking for in a policy. Once you have that information, you can use it to make the best policy decisions possible.
To aid you in your search, we’ve compiled the top five home insurance carriers in Connecticut using our SimpleScore methodology.
The best home insurance in Connecticut
- Best for Extra Protection: Amica Mutual
- Best for Standard Policies: State Farm
- Best Home Insurance for Seniors: The Hartford
- Best Choices in Add-On Coverage: Allstate
- Best for Discounts: Liberty Mutual
Choosing your provider
You may wonder whether it’s better to choose a national insurance carrier or opt for a local one. Consider the pros and cons of each option before making a decision.
- Easy to contact in person
- Personalized service is generally the focus
- Knowledge of local conditions can help ensure you’re getting the right coverage
- Often only offer broker services
- Technology may not be as cutting edge as larger insurers
- Often have more comprehensive online and mobile features than the local options
- Generally offer a wider range of policies and add-ons
- May not have dedicated agent in your area
- Customer service may not be as personalized
Connecticut home insurance minimum requirements
Unlike auto insurance, there are no legal requirements that you carry a certain amount of homeowners insurance. That doesn’t mean you can avoid getting a policy, however. If you have a mortgage on your home, your lender will require you to have homeowners insurance in order to get the loan. You’ll need to provide your policy information in order to close on the home.
You may also want to consider additional coverage to accommodate the potential perils in Connecticut, including:
Connecticut flood insurance
Flood damage isn’t typically covered by standard homeowners insurance policy. If you live on the coast, consider adding this to your policy.
Connecticut hurricane insurance
Examine your policy’s coverage or exclusions of hurricane-related damage. Water damage from hurricanes is usually covered under additional flood insurance, so a general policy may not cut it. While wind is usually a covered peril, some policies may exclude hurricane-related wind. Since Connecticut is susceptible to hurricanes, make sure your policy covers you in full for these types of damages.
How much does home insurance cost in Connecticut?
The cost of home insurance in Connecticut is above average when compared to the rest of the U.S. The average annual premium is $1,479 in Connecticut, which ranks this state the 11th most expensive for home insurance. That’s nearly $270 above the national average of $1,211. Part of the reason for the higher rate may be due to the amount of coastal property in the state. There is approximately $675 billion worth of insured property on the coastline, which is the sixth highest of the states bordering the Atlantic and Gulf Coasts.
We welcome your feedback on this article and would love to hear about your experience with the insurers we recommend. Contact us at firstname.lastname@example.org with comments or questions.