The 4 Best Homeowners Insurance Companies in Connecticut

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.

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      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

      Customization and extra coverage options – 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.

      J.D. Power Rating
      2/5
      AM Best Rating
      A++
      Standard & Poor’s
      N/A
      SimpleScore
      4.2 / 5.0
      close
      SimpleScore Travelers 4.2
      Discounts 5
      Coverage Options 5
      Customer Satisfaction 2
      Support 4
      Accessibility 5

      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 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.

      J.D. Power Rating
      4/5
      AM Best Rating
      A++
      Standard & Poor’s
      N/A
      SimpleScore
      4 / 5.0
      close
      SimpleScore Chubb 4
      Discounts 5
      Coverage Options 5
      Customer Satisfaction 2
      Support 4
      Accessibility 4

      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.

      Best for discounts – 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.

      J.D. Power Rating
      3/5
      AM Best Rating
      A
      Standard & Poor’s
      N/A
      SimpleScore
      4.4 / 5.0
      close
      SimpleScore Liberty Mutual 4.4
      Discounts 5
      Coverage Options 4
      Customer Satisfaction 3
      Support 5
      Accessibility 5

      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.

      Best for claim-free rewards and premium protection – 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.

      J.D. Power Rating
      3/5
      AM Best Rating
      A+
      Standard & Poor’s
      AA-
      SimpleScore
      4.4 / 5.0
      close
      SimpleScore Allstate 4.4
      Discounts 4
      Coverage Options 5
      Customer Satisfaction 3
      Support 5
      Accessibility 5

      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

      Methodology

      SimpleScore

      The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.
      For every review, our editorial team:

      • Identifies five measurable aspects to compare across each brand
      • Determines the rating criteria for each aspect score
      • Averages the five aspect scores to produce a single SimpleScore

      Here’s a breakdown of the five aspect scores and their rating criteria for our reviews on home insurance.

      Why do some brands have different SimpleScores on different pages?

      To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.

      However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.

      Discounts

      We looked at the number of discounts each company offers – more discounts mean a higher score.

      Coverage Options

      We awarded higher scores to the companies that offer more coverage options.

      Support

      We awarded higher scores to companies with the most channels for customer support.

      Customer Satisfaction

      We leveraged the J.D. Power 2019 Home Insurance Satisfaction Study℠ to see how customers rated their experience with each company. (If a company wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)

      Accessibility

      We looked at the level of accessibility of each company – the more resources they have the higher their score