Connecticut Homeowners Insurance Quotes (2023)

Looking for home insurance in Connecticut? The average premium cost is $199 per month, and the best way to find affordable home insurance in Connecticut is to shop around by comparing quotes from various insurers. It also helps to know how different factors affect your insurance rates, including your location, home’s value, and more.

Learn more about average home insurance rates, best companies, and additional factors in Connecticut according to Insurify’s data below.

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Best home insurance companies in Connecticut

Many quality home insurance companies serve homeowners in Connecticut. Finding the best home insurance company for you will depend on your individual situation and needs. Here are some of the best insurers to consider for Connecticut homeowners.

Best large insurer: Nationwide

Nationwide is a large insurance company that’s been around for more than 90 years. Nationwide has a J.D. Power score of 816 out of 1,000 and offers dwelling, personal property, personal liability, and other structures coverage.^[1]

The average monthly cost for coverage is $184, and Nationwide offers discounts for Connecticut homeowners who bundle coverage. Customers also have access to a free annual consultation with a representative to discuss ways to save and re-evaluate coverage options.

Learn More: How to Get Earthquake Insurance

Best insurer for cheap rates: State Auto

State Auto has the cheapest rate for home insurance in Connecticut, with an average monthly premium of $104. This insurer allows homeowners to choose from three main insurance coverage options and several coverage add-ons. 

State Auto also offers a variety of home insurance discounts for getting an advanced quote, having a fortified home, and for having a home with protective anti-theft devices.

Best insurer for severe thunderstorms and hurricane coverage: Travelers

Connecticut gets quite a few severe thunderstorms, and hurricane season ranges from June 1 to Nov. 30. Travelers provides home insurance options that cover these and other common perils extensively and offers optional additional replacement cost coverage. 

Travelers has a J.D. Power score of 794 out of 1,000, and customers pay an average monthly premium of $150.^[1]

Keep Reading: Windstorm Insurance: How it Works and What it Covers

Best insurer for high-value homes: Kingstone 

Kingstone is a regional insurance company that specializes in coastal and high value homes, as well as secondary homes. Connecticut residents can get flexible home insurance coverage along with additional liability coverage and optional insurance for equipment breakdown and water backup issues.

Not surprisingly, Kingstone’s premiums are higher than the state average, at $230 per month.

Best regional insurance company: Plymouth Rock 

Plymouth Rock is a regional insurance company that serves states on the East coast, including Connecticut, Massachusetts, New Jersey, and New York. Homeowners can talk to a local agent about their coverage needs for dwelling, other structures, and personal property, as well as any potential discounts. Customers pay an average of $168 per month for coverage through Plymouth Rock.

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How much is homeowners insurance in Connecticut?

Several factors influence home insurance prices in Connecticut, including the location and age of your home, the type of structure, and more. The type of home insurance policy you select also directly affects the rate you pay, as higher levels of coverage will increase your rate. 

How your policy choices affect home insurance rates in Connecticut

Your home insurance rate is the product of several different factors.

Your policy form

A standard home insurance policy covers your personal belongings, the structure of the home, your liability, and additional living expenses. Your policy will also contain a list of covered perils. These are events or circumstances resulting in property damage and can include fire, vandalism, and storm damage, among others.

Each homeowners insurance policy type handles perils in its own way. The most common policy is HO-3, which provides broad coverage, protecting against 16 different perils like fire, lightning, hail, vandalism, and smoke. You should always check which perils your home insurance policy covers before purchasing.

Your coverage level

If you choose a higher coverage level, you’ll have higher insurance premiums. This is because you’re putting increased obligation on your insurer. 

You can lessen your premium by lowering your coverage level, but you should always be sure your coverage level still meets your needs.

Your deductible

A deductible is the amount of money you’re responsible for paying before your insurer covers a loss. Having a higher homeowners insurance deductible could lower your rate. And having a lower deductible puts more risk on the insurer to cover the loss, which can lead to a higher rate. 

Learn More: How Much to Make Your Homeowners Insurance Deductible

How location affects home insurance rates in Connecticut

Different states, as well as different ZIP codes within a state, can have different home insurance quotes. Some factors that affect home insurance rates in Connecticut include the distance of a home to the local fire station, exposure to extreme weather, and the rate of vandalism or theft in the area.

Below are average monthly quotes for home insurance in some Connecticut cities: 

What are the cheapest home insurance companies in Connecticut? 

The cheapest insurers for home insurance in Connecticut are State Auto, Stillwater, and Travelers. Among these three insurers, the average monthly quote ranges from $104 to $150 compared to the state average of $199. 

Here are some of the cheapest insurers if you’re looking to save money on home insurance in Connecticut. 

How much homeowners insurance do you need in Connecticut?

If you’re taking out a mortgage to buy your home, the mortgage company will usually require you to purchase a home insurance policy. A homeowners insurance policy has several components, such as dwelling coverage, personal property, personal liability, and other structures protection. 

To determine how much coverage you need, you can start by talking to a licensed insurance agent. Also, consider how much your home costs along with what your insurer says rebuild costs are in your area. It’s important to read through your policy carefully and understand what it covers when you buy it, so you’ll know if any gaps in coverage exist. 

What home insurance coverages should you buy in Connecticut?

In most cases you should look for a homeowners insurance policy that provides the following protections:

• Dwelling: This covers physical damage to your house and attached structures. You can choose your own limit for dwelling coverage.

• Personal property: This pays to replace damaged personal property in your home caused by a covered peril. 

• Other structures: This covers damage to the detached structures of your home that are still on your property, like a detached garage or shed. 

• Personal liability: This covers against financial losses if you’re sued by someone else for damages or injuries and are found legally responsible.

• Additional living expenses: This covers your costs if you need to move somewhere temporarily while your home is being repaired or rebuilt.

• Medical expenses: This covers medical bills if someone is hurt on your property due to a covered peril or by one of your pets.

What optional home insurance coverages should you buy in Connecticut? 

Basic home insurance policies do have some exclusions, so you may need to consider some of these optional coverage options to supplement your policy: 

• Flood insurance: If you live in an area that’s prone to floods, you can obtain a separate flood insurance policy through the government's National Flood Insurance Program or through a private insurer.

• Windstorm and hail insurance: Most homeowners insurance policies cover windstorm and hail damage, but this coverage is excluded in some coastal areas. In this case, you may need to purchase a separate policy for windstorm and hail coverage.

• Earthquake insurance: This coverage is an add-on or separate policy that pays for damages to your house and personal property caused by an earthquake.

• Sewer and drain backup insurance: This insurance pays for damage to your house from a sewer or drain backup. 

How much home insurance coverage should you have in Connecticut?

No single home insurance policy will work for every homeowner. To determine how much coverage you may need, consider factors like the value of your home and environmental risks or natural disasters that are common in your area. Next, consider whether any of the above optional coverages are applicable to your needs.

Finally, it’s also important to shop around and gather quotes from different insurers to make sure you narrow down the best price for your coverage needs. Try to look at quotes from at least three different insurance companies before settling on a policy that fits your needs. 

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What are some of the biggest risks when owning a home in Connecticut? 

Basic home insurance policies don’t cover everything. 

“To protect yourself against disasters or damage that isn’t covered by your homeowner’s insurance, you can invest in additional insurance policies such as flood insurance, or take preventative measures such as regular pest control and home maintenance,” says Dennis Shirshikov, head of growth for Awning.com. “It’s also important to have an emergency fund in case of unexpected expenses.”

Here are some additional coverage options Connecticut residents should consider based on some of the biggest storm and natural disaster risks in the state: 

• Windstorm damage: Damage and loss due to a windstorm or a severe thunderstorm is usually covered in basic home insurance policies, but you’ll want to confirm with your insurer to make sure you don’t need to buy a separate policy. 

• Hurricane: Hurricane coverage is included in all basic home insurance policies, but insurers may charge a different or separate deductible for this in Connecticut.

• Flooding: Since Connecticut is located on the East Coast, there’s risk of flooding from storms. Flood coverage is not offered as part of home insurance policies, but you can purchase it as a separate policy through the government's National Flood Insurance Program or from a private insurance company.

Keep Reading: How Much Does Flood Insurance Cost?

How can you save money on homeowners insurance in Connecticut? 

While several factors can affect the price of your home insurance, you have plenty of ways to save money on your coverage or even get discounts. Here are some common ways for Connecticut homeowners to save money on their home insurance. 

Bundle

Many companies that sell home insurance also sell auto and other types of insurance. Insurers may offer a discount if you bundle different types of insurance together. This means you can spend less on the coverage you would have gotten anyway.

Ask about discounts for home security devices

Do you have a security device in your home, like an anti-theft alarm or system? Your insurer might offer discounts for home security devices since they can reduce the risk of theft or vandalism. The insurer may not state this discount explicitly, but it doesn’t hurt to ask.

Raise your deductible

Raising your deductible is another way to save on homeowners insurance costs. Consider choosing a higher deductible to lower your premium rate. Just keep in mind that this means you’ll pay more up front before insurance covers any damage from a claim. If you have additional coverage in other areas, it’s important to factor in these deductible costs as well.

Comparison shop

Each insurer can have different prices and policy options, so you won’t know if you’re getting the best deal on coverage if you don’t shop around. Comparison shopping helps you gather quotes from different insurers so you can compare them side by side.

Most insurers allow you to fill out a form online to receive a quick quote. For smaller or regional insurers, you may need to call directly or reach out to a licensed insurance agent. 

Aim to gather quotes from at least three insurance companies before deciding which option will work best for you.

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Average home replacement cost value in Connecticut 

Replacement cost value is the amount it will cost to reconstruct your home using the same type of building materials. If you file a claim and the damage exceeds your coverage amount, you’ll be responsible for paying the difference. This is why it’s important to consider your home’s replacement cost value when trying to determine your insurance coverage level to ensure you’ll have enough coverage.

Here’s how much it costs to rebuild a home in some Connecticut cities:

Connecticut home insurance FAQs