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.
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.
Offers several coverage options and optional coverage for water backup, flooding, and additional dwelling replacement cost
Discounts for bundling insurance
Free annual consultation
Rates aren’t the most affordable in Connecticut
Earthquake coverage not included and requires a separate deductible
Higher-value personal property may not be covered under a basic policy
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.
Doesn’t have a J.D. Power score
Has some unresolved negative reviews and customer complaints
Some coverages are only available through a specific plan or package
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.
Affordable average monthly prices
Offers optional special personal property coverage for broader protection of your items
Optional coverage available for water damage due to sump pump issues
Lower J.D. Power satisfaction score compared to other insurers
May need to re-apply for insurance each year
May not be able to finish the quote process entirely online
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.
Specializes in high-value and seasonal or secondary homes
Provides a discount for bundling coverage
Liability coverage of up to $1 million
No option for an online quote
Website doesn’t provide much information about claims or an FAQ section
Website doesn’t mention any discount options
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.
Basic medical payments coverage is limited to $1,000 per person
May receive additional coverage you didn’t want or need depending on the option you choose
Water backup and sump overflow is included in some standard policies but not others, depending on the state
Check Out: What Does A Sump Pump Do? What Is It Used For?