Best homeowners insurance in Connecticut for 2025

Compare the best homeowners insurance companies in Connecticut

Across all carriers in the state, the average cost of homeowners insurance in Connecticut is $1,659 a year, or $138 a month, per data from Quadrant Information Services. Your rate may differ based on an array of factors, so experts recommend comparing quotes from several companies prior to choosing a home insurance provider.

Our insurance editorial team analyzed AM Best financial strength ratings, J.D. Power customer satisfaction scores, average premiums, digital conveniences and more to inform our list of the best homeowners insurance companies. We awarded each a Bankrate Score out of five points to reflect our findings. Top performers include USAA, Amica, State Farm, Travelers and Farmers.

The top 5 home insurance companies in Connecticut

Additional Connecticut home insurance companies to consider

Encompass

Narragansett Bay Insurance Company

Cheapest home insurance companies in Connecticut

To help you save time researching companies, it helps to know which providers typically offer the cheapest rates in the state. The following providers offer some of the most competitive premiums in Connecticut according to rates from Quadrant Information Services. Keep in mind that homeowners coverage and rates vary between providers, so read through policy quotes carefully to find the best cheap home insurance in Connecticut.

How Bankrate chose the cheapest home insurance companies in Connecticut

Bankrate’s insurance editorial team determined these best companies based on up-to-date rates from Quadrant Information Services. The companies represent the cheapest options of the most prominent or popular insurance providers in Connecticut.

How to get cheap home insurance in Connecticut

Home insurance isn’t a legal requirement in Connecticut. But if you own a home, purchasing home insurance to protect your investment is a smart idea. Here are the steps you may want to follow to find the cheapest and best home insurance in Connecticut:

• Think about your coverage needs: Consider how much coverage you need for your home and your personal belongings. Also, think about what endorsements you might need, like flood insurance or valuable items coverage.
• Research insurance companies: Look into multiple insurance companies to see which ones can offer you the coverage you need within your budget. Also, consider reviewing discounts, third-party ratings and online/mobile policy management tools for each insurer.
• Get multiple quotes: Get quotes from several insurance companies. Ideally, you’ll want to get quotes for the same types and amounts of coverage (or as close as you can get) for the most accurate comparison. Don’t forget to look into discounts you may be eligible for. Many providers allow you to combine discounts for maximum savings.
• Purchase the policy that suits your needs best: An insurance company that offers the coverage you want at the best price will most likely be at the top of your consideration. Many providers make it easy to purchase coverage online after you receive your quote. If you prefer, you can also purchase policies in person or over the phone.
• Shop around regularly: It’s easy to do all the work of finding and purchasing a policy and then forgetting about it. Remember that insurance companies adjust their rates regularly, so your premium might change. To ensure you’re getting the coverage you need at a price you’re comfortable with, you may want to review your coverage and shop for homeowners insurance at least once a year. 

Best home insurance discounts in Connecticut

Many Connecticut home insurance companies offer discounts that can help those who qualify save money on their policies. Discount opportunities vary among providers, but here are some of the most common:

How to save on home insurance policy renewals in Connecticut

Once you’ve found the insurance provider for you, you can find ways to continue saving on your home insurance premium. Here’s how you can potentially save at renewal time:

• Maintain your roof: Not only is a new roof less likely to become damaged in severe weather, but it also does a better job of protecting your home and personal items. Plus, a new roof often qualifies for a discount.
• Improve your credit score: Although it takes time to work on your credit, earning a better score can unlock cheaper rates over time at renewal.
• Limit your claims: While homeowners insurance is meant to protect your finances after covered perils, frequently filing claims could cause your insurance company to raise your premium or decide not to renew your policy.
• Install wind and flood mitigation updates: Your insurance provider might give you a discount if you’ve improved your home and gotten a home inspection. Popular improvements include retrofitting your roof to be more wind-resistant, installing storm or hurricane shutters, installing roof fasteners and installing impact-resistant windows.
• Raise your deductible: You’ll typically pay a little less on your premium if you have a higher deductible, but it’s important that you’re actually able to pay this higher out-of-pocket amount if you have to file a claim.

How much is home insurance in Connecticut?

In Connecticut, the average cost of homeowners insurance is $1,659 per year for $300,000 in dwelling coverage, which is 24 percent less than the national average of $2,258 per year. Connecticut homeowners may pay a lower premium than many other states due to many properties having a reduced risk of being impacted by major hurricanes (Categories 3 to 5).

However, the average home insurance cost in Connecticut can still be somewhat expensive because of its coastal location. Additionally, the state’s harsh winter climate could expose homes here to burst pipes from freezing temperatures or roof damage from heavy snow.

Connecticut homeowners insurance rates by city

*Rates are for $300,000 in dwelling coverage.

What does home insurance cover in Connecticut?

Part of shopping for homeowners insurance is recognizing what coverage you need in your policy. Since most Connecticut homeowners live on the coast, these homeowners may want to find a policy that covers water or flood damage. This might mean getting a separate policy. Here are some of the most common types of damage that standard Connecticut home insurance covers:

• Wind and hail
• Fire and lightning
• Water damage and freezing
• Theft and all other property damage

Additional home insurance coverage types in Connecticut

If you are buying home insurance in Connecticut, there are a few types of coverage that you may want to consider on top of the standard coverage types. Endorsements are optional coverage types that can fill gaps in your regular policy. Here are some endorsements that might be beneficial to Connecticut homeowners:

• Flood insurance: Damage caused by flooding is not covered by homeowners insurance, so you might want to purchase a separate flood insurance policy from the Federal Emergency Management Agency (FEMA) National Flood Insurance Program or a private insurer. You can use FEMA’s flood map to determine if your home is located in a high-risk flood zone, but be aware that flooding can happen anywhere. In fact, 90 percent of natural disasters in the U.S. involve flooding.
• Sewer backup/water backup coverage: This is another type of insurance designed to pay for the repair and costs associated with water damage. Homeowners will sometimes see water or sewer backup after weather events or due to poor city infrastructure. Since standard policies don’t typically provide coverage for these claims, you might consider getting this endorsement. Note that it is different from flood insurance, which is also optional.
• Identity theft coverage: This optional coverage helps to pay for the costs associated with restoring your identity if it is stolen. Insurers usually offer professional guidance on how to handle identity theft, as well.
• Roof replacement cost: The availability of this option will vary by insurer and will depend on the age of your roof. If your roof qualifies, this coverage pays out the actual cost of repairs or replacement if your roof is damaged, rather than the depreciated value.

Your circumstances will determine which optional coverage types suit you best, so talking with an insurance professional may be helpful when choosing endorsements.

Common Connecticut home insurance problems

The Connecticut home insurance market is still competitive, although some insurance providers are charging more for insuring homes along the coast. Since the majority of Connecticut homeowners live along the shoreline, residents need to shop around for the best home insurance rates.

Here are some other challenges facing Connecticut homeowners:

• Rising insurance rates: The cost of repairs or rebuilds is significantly higher due to inflation and the severity of damage. Many insurers pass additional expenses off to policyholders in the form of higher rates.
• Unable to get an insurance policy: Some companies are reevaluating whether or not to underwrite new policies in Connecticut. This can make it difficult for new homeowners to find the coverage they need.

Frequently asked questions

Additional profiles:

• Coverage A, Dwelling: $150,000, $350,000, $450,000, $750,000
• Coverage B, Other Structures: $15,000, $35,000, $45,000, &75,000
• Coverage C, Personal Property: $75,000, $175,000, $225,000, $375,000
• Coverage D, Loss of Use: $30,000, $70,000, $90,000, $150,000
• Coverage E, Liability: $500,000
• Coverage F, Medical Payments: $1,000

Bankrate Scores

• Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
• Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
• Tier 3 (Support): To encompass the many ways a home insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

Tier scores are unweighted to show the company's true score in each category out of a possible five points.