The 4 Best Homeowners Insurance Companies in Connecticut

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Connecticut’s New England locale puts state homeowners at risk for wintertime weather perils such as frozen pipes and snow-collapsed roofs. In summer, there is the risk of flooding and wind damage from tropical storms and waning hurricanes. Due to these weather challenges and the state’s lofty property values, Connecticut’s average homeowners insurance premiums are pretty high. The annual average premium in the Constitution State is $1,455, which is $263 higher than the national average, according to the Insurance Information Institute.

Certain factors, such as the age of your Connecticut home and the home insurer you choose, 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.

Our Top Picks for Best Homeowners Insurance in Connecticut

  • 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.

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 high marks for customer satisfaction.

Travelers’ homeowners insurance 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. There is also additional coverage for sewer or sump pump-related water damage.

In addition to standard discounts, such as 15 percent off for policy bundling and remaining claim-free, Travelers 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 percent if your home is certified green by LEED (Leadership Energy and Environmental Design).

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

Chubb

Chubb has been consistently rated an A+ for financial strength by A.M. Best, so you can be confident in its ability to do right by its customers. This begins with a risk assessment by an agent so that you can lower your likelihood of certain home disasters.

Chubb excels in its 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 exceeds your 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 your home is rendered unlivable.

In addition to providing affordable comprehensive coverage, Chubb helps you save further by offering a wide array 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 who 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 you are planning to move, Liberty Mutual offers tips and assistance on moving both your belongings and your coverage from one home to the next.

If your home experiences a loss, filing a claim with Liberty Mutual is a pain-free process. You can either contact its 24/7 claims line, go online, use its mobile app, or visit a local office to kick off the process. Liberty Mutual also offers around-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’s 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. The Digital Locker tool helps you to compile a room-by-room 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. GoodHome looks at potential risks in the area and offers tips on how to reduce your likelihood of a disaster.

How much is homeowners insurance in Connecticut?

The average annual cost of homeowners insurance is $1,455 in Connecticut, sixth-highest in the nation. Your rate will be based on whether you are in an urban or rural area, the local cost of living, crime rates and whether you live in an area with a higher likelihood of natural disasters. The last category is discussed below.

Connecticut Rate Factors

Connecticut has a relatively low risk of being hit by a major natural disaster. Ice storms are the most likely event to cause major damage to homes. The state does have some risk of being in the path of a hurricane. Flooding and wildfire are possible here but are less likely than in other parts of the country.

The Best 4 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.