Best Homeowners Insurance Companies in Connecticut (2026)

The average cost of home insurance in Connecticut is $1,932 per year for a standard home insurance policy with $300,000 in dwelling coverage and a $1,000 deductible, compared to the national average of $2,868 for the same policy, according to Insurify data.

Connecticut has 618 miles of coastline, putting many homes at risk for flood damage, which home insurance doesn’t cover.^[1] Here’s what else you need to know about the best home insurance companies in Connecticut and why it’s important to compare home insurance quotes from multiple insurers.

Best home insurance companies in Connecticut

Homeowners have plenty of quality options when it comes to home insurance companies in the Constitution State. But the best home insurance company for you depends on your specific situation.

Here’s a closer look at our top picks for best home insurance companies in Connecticut. We considered factors such as cost, customer satisfaction scores, Insurify Quality (IQ) Scores, coverage options, claims process, home insurance discounts, and more.

Allstate: Best overall

best overall

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.2 /10
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	631
$300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.	$166/mo
$500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.	$310/mo

Details

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

2.08

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A-

Why we picked this company

Allstate is one of the largest insurance companies in the country, allowing it to offer both affordable rates and a variety of coverages. In addition to standard home insurance, Connecticut homeowners can purchase hurricane and flood insurance.

With one of the cheapest average rates in Connecticut, Allstate makes a great option for homeowners looking for a good all-around insurance company.

Pros

• Affordable rates

• AM Best financial strength rating of A+ (Superior)

• 20% discount for claims-free switch

Cons

• Low Trustpilot rating

• Below-average J.D. Power customer satisfaction rating

• More complaints than average with the National Association of Insurance Commissioners (NAIC)

Travelers: Best for affordability

affordability

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	7.8 /10
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	609
$300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.	$147/mo
$500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.	$230/mo

Details

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.34

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Travelers is the best home insurance company in Connecticut for affordability, offering the lowest average monthly rate. It offers all the standard home insurance coverages, plus water backup and flood coverage. It’s a solid choice for Connecticut homeowners looking for a good deal without sacrificing policy quality.

Pros

• Affordable rates

• 10% early policy renewal discount 

• AM Best financial strength rating of A++ (Superior)

Cons

• Poor claims handling reviews

• Below-average J.D. Power customer satisfaction rating

• Low Trustpilot rating

State Farm: Best for customer service

customer service

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.2 /10
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	643
$300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.	$108/mo
$500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.	$200/mo

Details

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm is one of the best home insurance companies in Connecticut for customer service. With local agents throughout the state, policyholders can get personalized service that can be difficult to find at some other companies. While it isn’t the cheapest option for Connecticut homeowners, State Farm earned high customer satisfaction ratings from J.D. Power and the NAIC.

Pros

• High J.D. Power customer satisfaction rating

• Below-average number of complaints on NAIC complaint index

• AM Best financial strength rating of A+ (Superior)

Cons

• Higher rates than other insurers

• Limited number of discounts

• Low Trustpilot rating

Chubb: Best for high-value homes

high-value homes

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	7.8 /10
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	688
$300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.	$209/mo
$500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.	$335/mo

Details

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.12

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Chubb is the best home insurance company in Connecticut for homeowners with high-value homes, as it specializes in this type of coverage. Chubb offers a wide variety of coverages with high policy limits, including flood and hurricane add-ons. It also has specialty coverages, such as risk consulting, extended replacement cost, and HomeScan.

Pros

• One of the highest J.D. Power customer satisfaction ratings

• Below-average number of complaints on NAIC complaint index

• AM Best financial strength rating of A++ (Superior)

Cons

• Online quotes not available

• Less affordable than other insurers

• Limited options to customize coverage

USAA: Best for active-duty military members and veterans

active-duty military members and veterans

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8 /10
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	737
$300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.	$102/mo
$500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others.	$148/mo

Details

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.47

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA is one of the best home insurance companies in Connecticut for active-duty military, veterans, and their families. It has exclusive coverages and discounts available to people who qualify, as well as one of the most affordable rates in the state. It also scores high in various customer satisfaction and financial strength ratings.

Pros

• Highest J.D. Power customer satisfaction rating

• AM Best financial strength rating of A++ (Superior)

• Fewer complaints than average on NAIC complaint index

Cons

• Not available to all Connecticut drivers 

• Low Trustpilot rating

• Fewer discounts than some competitors

Cheapest home insurance in Connecticut

Vermont Mutual is the cheapest home insurance company in Connecticut, on average. The table below shows average annual homeowners premiums for some of the most affordable insurance companies in the Nutmeg State.

The below rates in Connecticut are estimated rates current as of: Tuesday, June 30 at 5:00 PM PDT. 

Data reviewed by Chase Gardner

Chase GardnerData Insights Manager

• Data expert on auto trends and driver behavior

• University of Chicago graduate with statistics degree

Chase spearheads analytics for Insurify’s data insights team. With his deep expertise in insurance data, Chase is often interviewed on industry trends.

Featured in

Insurance Company	Average Annual Premium: With $300K in Dwelling Coverage
Vermont Mutual	$1,092
USAA	$1,224
State Farm	$1,296
Amica	$1,680
Encompass	$1,728
Travelers	$1,764
Allstate	$1,992
Chubb	$2,508
Homesite	$3,264
Farmers	$3,540

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How much does homeowners insurance cost in Connecticut?

Homeowners insurance costs an average of $1,932 per year in Connecticut for a policy with a $300,000 dwelling limit and a $1,000 deductible. Your exact home insurance rate will likely differ due to various factors, such as:^[2]

• Flood risk and coastal proximity: How close your home is to the Connecticut coast or other nearby bodies of water affects flood risk and can increase your premium.

• Home age and construction type: If your home has complicated or expensive construction materials or is very old, higher premium costs are more likely.

• Deductible choice: The higher your homeowners deductible, the lower your premium, and vice versa.

• Credit and claim history: If you have good credit and few past claims, your premiums may be lower.

Cheapest home insurance companies in Connecticut by dwelling coverage

Dwelling coverage protects your Connecticut home’s structure and is the most important piece of your home insurance policy.^[3] Check out the table below to see how much Connecticut homeowners insurance rates vary by dwelling coverage amount.

Connecticut homeowners insurance cost by city

Homeowners insurance costs in Connecticut are different from city to city and even across different ZIP codes within the same city. Every area has unique risks, such as coastal proximity, elevation, burglary rates, vandalism, and location of the nearest fire station.

Take a look at the table below to see how home insurance rates can change depending on where you live in Connecticut.

City	Average Annual Premium
Bridgeport	$2,298
Bristol	$1,707
Danbury	$1,772
Enfield	$1,740
Hartford	$2,144
Middletown	$1,863
New Haven	$2,577
Stamford	$1,935
Wallingford	$2,047
West Haven	$2,268

What homeowners should know about insurance in Connecticut

Connecticut homeowners should be aware of the state’s most common hazards when it comes to protecting their homes. With hundreds of miles of coastline, many homes are at risk of flooding. But homeowners further inland are still susceptible to winter storm damage and windstorms. So it’s important to make sure you carry enough coverage to adequately protect your property.

Flooding

Flooding is one of the most common risks for Connecticut homeowners, with nearly 350,000 residents at risk for flood damage. Standard home insurance policies don’t protect against flood damage. Instead, you must purchase a separate flood insurance policy through private insurers or the National Flood Insurance Program (NFIP).

Winter storms

As part of New England, Connecticut regularly experiences significant winter weather, like ice storms, heavy snowfall, and freezing temperatures — all of which can damage homes.

Homeowners insurance protects against most of these risks. But it doesn’t cover sewer backups caused by snowmelt or flooding from overflowing creeks or rivers, so you may have to purchase endorsements.

Hurricanes and tropical storms

Connecticut doesn’t take the brunt of hurricanes or tropical storms that hit the Eastern seaboard, but the aftermath can still be severe when windstorms roll up the coast. Most home insurance policies cover wind damage. But if the wind damage is caused by a named storm, you may need a hurricane endorsement for coverage.

How much homeowners insurance do you need in Connecticut?

Connecticut state law doesn’t require homeowners to have homeowners insurance. But it’s generally a good idea to purchase a policy, as home repairs and replacement can be extremely costly. If you have a mortgage, your lender will likely require you to purchase home insurance anyway.

Before buying a policy, it’s essential to understand exactly what your home insurance covers. Your ideal coverage amount will depend on your financial situation and your home’s coverage needs. For example, your dwelling coverage limit should be high enough to cover the cost of replacing your home in the event of a covered loss.

For personal property coverage, take inventory of your personal belongings and add up their value to determine your ideal limit. For personal liability coverage, the Insurance Information Institute recommends carrying between $300,000 and $500,000.^[4] If your home is at risk of flooding, it’s a good idea to purchase a flood insurance policy as well.

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How to contact the Connecticut Department of Insurance

The Connecticut Department of Insurance (CDI) regulates the state’s insurance industry to protect consumers and help them navigate the insurance market. You can reach out to the CDI for information on all types of insurance, complaints or questions, and other information about flooding, windstorms, or other weather hazards.

Here’s how you can get in touch with the Connecticut Department of Insurance:

How to Contact	Contact Information
Online	https://portal.ct.gov/cid?language=en_US
Phone number	1 (860) 297-3800 or 1 (800) 203-3447 (toll-free)
Email address	[email protected]
Mailing address	153 Market Street, 7th Floor Hartford, CT 06103

Connecticut homeowners insurance FAQs