The 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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    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.

    In this article

      The best home insurance in Connecticut 

      Best for extra protection – Amica

      Like a true MVP, Amica Mutual performs well across categories, including customer service and financial strength — but excels at giving a little something extra to the fans.

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

      Amica Mutual is a strong option across the board for Connecticut homeowners, but it shines when it comes to extra coverage protection. This insurer offers a range of additional coverage options, though does lack an add-on option for flood damage.

      If you own a high value home, you can even upgrade to the Platinum Choice package, giving you extra protection. Filing a claim is also easy, and you have choices to do it over the phone, through the Amica app or online. With stellar customer service reviews and strong financial ratings, there’s little to worry about when choosing Amica.

      Best for standard policies – State Farm

      State Farm appeals to Connecticut homeowners who need basic coverage and like to keep tabs on their life and finances with a quick tap of a smartphone app.

      J.D. Power Rating
      3/5
      AM Best Rating
      A++
      Standard & Poor’s
      AA
      SimpleScore
      4 / 5.0
      close
      SimpleScore State Farm 4
      Discounts 2
      Coverage Options 5
      Customer Satisfaction 3
      Support 5
      Accessibility 5

      You won’t find extensive policy add-ons at State Farm. You’ll need to stick to a standard homeowners policy instead. Once you have your policy, you’ll not only have coverage you can count on, but you can manage everything with the State Farm mobile app.

      You can file and manage claims, upload photos, get roadside assistance and even chat with your insurance agent. The app also has a copy of your insurance ID card, so you’re always prepared with the information you need to file a claim.

      Best home insurance for seniors – The Hartford

      The Hartford is a Connecticut-based insurer that offers a wide variety of add-on coverage, but you’ll have to be above 50 to qualify since this insurer only offers home insurance to AARP members.

      J.D. Power Rating
      4/5
      AM Best Rating
      A+
      Standard & Poor’s
      N/A
      SimpleScore
      3.8 / 5.0
      close
      SimpleScore The Hartford 3.8
      Discounts 3
      Coverage Options 5
      Customer Satisfaction 4
      Support 3
      Accessibility 4

      The Hartford is a large insurance company that calls Connecticut home. In order to qualify for home insurance, you’ll need to be an AARP member — meaning this insurer is limited to the demographic that can qualify for AARP. AARP membership is only available to individuals who are 50+, making this option best for seniors.

      If you’re a member of that demographic, you’re in luck. The Hartford has an array of add-on coverages available, including green rebuilding, and a ton of discount opportunities that range from home security systems to multi-policy savings.

      Best for add-on coverage – Allstate

      Homeowners with expensive home hobbies can get the financial protection they need with a wide variety of optional coverages from Allstate.

      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 offers Connecticut homeowners the chance to add extra coverage for personal property that would likely exceed normal home insurance policy limits. If you have expensive hobbies that involve things like sports equipment, gardening or musical instruments, you may want to consider adding coverage with Allstate.

      These are unique add-ons not available at most other insurers. On the flip side, you won’t be offered many discounts with Allstate, but it is easy to qualify for the ones the insurer does offer.

      Best for Discounts – Liberty Mutual

      If your Connecticut home is prone to hurricane damage, it may be wise to explore your add-on coverage options with Liberty Mutual.

      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

      Liberty Mutual offers a range of coverage options, including hurricane coverage for Connecticut homeowners on the coastline. Where this carrier truly stands out, though, is in its available discounts. Nearly anyone can find an applicable discount, either by choosing a policy online, enrolling in autopay or avoiding paperless communications. Having a new or renovated home can also decrease the cost of your policy, as can remaining claim-free.

      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.

      Local carrier

      Pros 

      • Easy to contact in person
      • Personalized service is generally the focus
      • Knowledge of local conditions can help ensure you’re getting the right coverage

      Cons 

      • Often only offer broker services
      • Technology may not be as cutting edge as larger insurers

      National carrier

      Pros

      • Often have more comprehensive online and mobile features than the local options
      • Generally offer a wider range of policies and add-ons

      Cons 

      • 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.

      Connecticut home insurance FAQs

      No, these are two separate products. Home insurance provides financial reimbursement when your home or personal belongings are damaged by a covered event. A home warranty is an optional policy that helps cover the cost of repairs to the appliances in your home.

      It depends on how much of a flood risk there is in your area. In low risk areas, your annual premium could be as little as $119. For a higher risk area with a $100,000 coverage limit, the average cost is about $400 per year, according to FEMA.

      Insurers use a range of criteria to offer you a home insurance quote. This typically includes the size of your deductible, the size and condition of the home, your credit history, your claims history and your location.

      We welcome your feedback on this article and would love to hear about your experience with the insurers we recommend. Contact us at inquiries@thesimpledollar.com with comments or questions.

      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

      Lauren Ward

      Contributing Writer

      Lauren Ward is a personal finance writer living in Virginia’s Blue Ridge Mountains with her husband and three children. In her spare time she enjoys board games and gardening.

      Reviewed by

      • Nashalie Addarich
        Nashalie Addarich
        Insurance Editor

        Nasha Addarich is an editor at The Simple Dollar and a former attorney who specializes in home insurance, auto insurance, life insurance, and savings. She is a former contributing editor to Reviews.com.