Best homeowners insurance in Connecticut (2024)

We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in Connecticut.

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By

Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.&Pat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

Edited by

Jennifer GimbelJennifer GimbelSenior Managing Editor & Home Insurance ExpertJennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.
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Reviewed by

Michael Reynolds, CSRIC®, AIF®, CFT-I™Michael Reynolds, CSRIC®, AIF®, CFT-I™Financial AdvisorMichael Reynolds, CSRIC®, AIF®, CFT-I™, is a financial advisor, principal and founder of Elevation Financial, host of the weekly personal finance podcast Wealth Redefined®, and a member of the Financial Review Council at Policygenius.

Updated|4 min read

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Connecticut is often at risk of coastal storms and severe winter weather, so it's vitally important for state residents to ensure their homes are protected with a quality homeowners insurance policy. 

We found that Connecticut homeowners pay an average of $1,329 per year for a homeowners insurance policy with $300,000 in dwelling coverage. This means Connecticut residents pay around 24% less for home insurance than the average U.S. homeowner.

Compare home insurance rates in Connecticut

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Compare the best homeowners insurance companies in Connecticut

According to our analysis of homeowners insurance companies in the Nutmeg State, we found Allstate offers the best home insurance in Connecticut.

USAA had the highest rating in our analysis thanks to its combination of low rates, excellent customer service and financial strength ratings, and comprehensive policy options. But, keep in mind that USAA is only available to currently enlisted members of the military, veterans, and their families.

Company

Best for...

Average monthly cost

Policygenius rating

State Farm

Overall

$113

4.8 out of 5

Amica

Customer service

$133

4.6 out of 5

Farmers

Coverage options

$190

4.5 out of 5

Allstate

Short-term rental owners

$123

4.4 out of 5

Methodology & why you can trust our rates

At Policygenius, our educational guides are written and fact-checked by licensed home insurance experts and reviewed by our Financial Review Council to ensure autonomy, expertise, and accuracy.

To find the best home insurance companies in Connecticut, we analyzed over 30,000 quotes from the 15 largest insurance companies in the state to find the average cost of homeowners insurance with each company in 2022.

When analyzing costs for different coverage levels and risk factors, we changed just one variable at a time to ensure the rates we’re comparing are fair and representative of the factor at hand.

We then looked at J.D. Power customer satisfaction scores, AM Best financial health ratings, quality of policy options, discounts, and compared that with the coverage needs of Connecticut residents to find the best homeowners insurance in the state.

To get the average rate for each company in Connecticut, we analyzed rates provided by Quadrant Information Services in March 2022 for all ZIP codes across Connecticut for a 40-year-old female homeowner with no claim history, good credit, a $1,000 deductible, and the following coverage limits:

  • Dwelling: $300,000

  • Other structures: $30,000

  • Personal property: $150,000

  • Loss of use: $60,000

  • Liability: $300,000

  • Medical: $1,000

All rates based on the above coverage limits except where otherwise noted.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs — your actual quotes may differ.

Compare home insurance rates in Connecticut

We don't sell your information to third parties.

Best overall home insurance in Connecticut: State Farm

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2024 Policygenius award winner

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

Offers flood insurance

Offers earthquake insurance

Wind/hail deductible

Offers wildfire insurance

Why we chose itchevron icon

State Farm is the best home insurance company in Connecticut thanks to its large selection of policy options, high customer service marks, and industry-best financial stability ratings.

Pros and conschevron icon

Pros

  • Top-tier coverage add-ons, including extended replacement cost coverage

  • High customer satisfaction and financial strength ratings

  • Offers large discounts when you bundle your home and auto insurance

Cons

  • No discounts for first-time homebuyers

  • Rates are about average in Connecticut

More detailschevron icon

Why we chose State Farm

State Farm is our pick for the best home insurance company in Connecticut. For one, State Farm lets homeowners get extended replacement cost coverage for their homes, replacement cost coverage for their personal property, water backup protection, and more.

State Farm's customer service is highly rated, too. The company has received high ratings from policyholders, according to J.D. Power’s 2022 customer satisfaction, claims, and digital experience surveys. It has also received the highest rating possible from A.M. Best for financial strength and stability.

In Connecticut, State Farm's rates are in line with the statewide average. The company doesn't offer as many discounts as other insurers in the state, but if you're planning to bundle home and auto insurance with State Farm, you may receive a large discount.

How do State Farm home insurance rates compare to the Connecticut average?

The average cost of home insurance from State Farm in Connecticut is $1,359 per year, which just $30 more expensive per year than the statewide average.

How to get a quote

Online through State Farm or by contacting your local State Farm agent.

Best home insurance for customer service: Amica

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2024 Policygenius award winner

Amica

Amica home insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.6

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Amica is the best home insurance company in Connecticut if you're looking for highly rated customer service. Amica also has many great ways to customize a basic policy and a unique dividend policy option that can reduce the cost of your insurance.

Pros and conschevron icon

Pros

  • Earned #1 ranking in J.D. Power’s claims and customer satisfaction surveys

  • Lots of coverage add-ons, including extended replacement cost coverage

  • Unique dividend policy option to earn up to 20% back on insurance premiums each year

Cons

  • More expensive than average in Connecticut

More detailschevron icon

Why we chose Amica

Amica has the best customer service ratings of any insurer in Connecticut. Amica has consistently been rated highly on J.D. Power's Claims and Customer Satisfaction Surveys. The company also has a superior A+ rating from AM Best and 20% fewer complaints according to the National Association of Insurance Commissioners than other companies.

Amica's coverage options stack up well against other companies, too. Homeowners can get guaranteed and extended replacement cost coverage for their homes, replacement cost coverage for their personal property, water backup protection, coverage for computers and smart devices, and more.

Finally, Amica offers a unique dividend perk that could help you lower the cost of your home insurance. If you buy a dividend policy instead of a basic policy, you could earn back between 5% and 20% of the cost of your insurance each year, depending on how well the company does financially.

How do Amica home insurance rates compare to average in Connecticut?

The average cost of Amica home insurance in Connecticut is $1,593 per year, which is 20% more expensive than the statewide average of $1,329 per year.

How to get a quote

Online through Amica

Best home insurance for coverage options: Farmers

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2024 Policygenius award winner

Farmers

Farmers Insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Farmers is the best home insurance company in Connecticut for homeowners who want to add coverage to their policies. Farmers also has affordable rates, a range of discounts, and high claims satisfaction scores.

Pros and conschevron icon

Pros

  • Optional extended or guaranteed replacement cost dwelling coverage

  • Receives few complaints from policyholders and has a high claims satisfaction score

  • Cheaper rates than average in Connecticut

Cons

  • Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys

More detailschevron icon

Why we chose Farmers

Farmers is the best homeowners insurance company in Connecticut if you want to add coverage to a basic policy, including guaranteed or extended replacement cost coverage, water backup protection, and a personal articles floater.

Farmers also earned a high score in J.D. Power’s 2022 claims satisfaction study (though it was below-average on J.D. Power’s overall customer satisfaction and digital experience surveys). Plus, Farmers receives fewer complaints than average, according to the National Association of Insurance Commissioners.

There are a few ways that homeowners can lower their rates with discounts. Farmers is one of the best companies for bundling home and auto coverage (you could save up to 18% on your premiums by bundling). The company also offers more than a dozen other discounts, many of which are easy for most homeowners to qualify for.

How do Farmers home insurance rates compare to the average in Connecticut?

The average cost of Farmers home insurance in Connecticut is $1,060 per year, which is 20% cheaper than the state's average annual premium of $1,329 per year.

How to get a quote

Online through Farmers

Best home insurance for short-term rental owners: Allstate

award icon

2024 Policygenius award winner

Allstate

Allstate logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Airbnb hosts in Connecticut may like Allstate thanks to HostAdvantage — the affordable short-term rental coverage that can be easily added to any policy. Whether you’re looking for basic or comprehensive home insurance coverage, Allstate is a top pick.

Pros and conschevron icon

Pros

  • Offers HostAdvantage for short-term rental coverage

  • Offers water backup protection, other endorsements

Cons

  • Beginning to pull back coverage in high-risk areas

  • Customer experience scores with J.D. Power are below the segment average

  • Rates are slightly higher than average in Connecticut

More detailschevron icon

Why we chose Allstate

If you're looking to cover your short-term rental (whether it's in Connecticut or nearby New York City), Allstate's HostAdvantage makes it our top pick for homeowners insurance in Connecticut. HostAdvantage comes with theft protection, coverage for your damaged property ($10,000 per host period), and a $25 discount on cleaning services from Merry Maids.

Allstate also offers a few coverages that you can add to your home insurance policy for more protection. This includes water backup protection, scheduled personal property coverage, and identity theft restoration coverage.

How do Allstate home insurance rates compare to the Connecticut average?

The annual average cost of Allstate home insurance in Connecticut is $1,480 per year, just 11% more expensive than the statewide average.

How to get a quote

Online through Policygenius or Allstate, or by contacting a local Allstate agent.

How much is homeowners insurance in Connecticut?

The average cost of homeowners insurance in Connecticut is $1,329 per year, or $111 a month, for an insurance policy with $300,000 in dwelling coverage. This means insurance in Connecticut is 24% cheaper than the national average.

Home

UPDATE: Home insurance premiums up 15% in Connecticut

Home insurance premiums in Connecticut increased 15% from May 2022 to May 2023, according to our latest analysis of internal policyholder data. This is likely due to a mix of sustained inflation, labor shortages, rising construction costs, and severe natural disasters that have caused insurance companies to increase rates and establish stricter underwriting rules to offset the risks. 

You can find all of the details in our 2023 Policygenius Home Insurance Pricing Report.

Connecticut homeowners insurance rates by city

We calculated the cost of home insurance in Connecticut's largest cities and found that Danbury is the cheapest big city for homeowners insurance in the state, while New Haven is the most expensive.

Here’s a look at the average cost of home insurance in the 20 largest cities in Connecticut.

City

Average monthly cost

Average annual cost

Difference from state average (%)

Bridgeport

$134

$1,606

21%

New Haven

$151

$1,817

37%

Stamford

$110

$1,324

0%

Hartford

$123

$1,479

11%

Waterbury

$122

$1,467

10%

Norwalk

$119

$1,427

7%

Danbury

$99

$1,191

-10%

New Britain

$108

$1,295

-3%

Bristol

$100

$1,203

-9%

Meriden

$115

$1,385

4%

West Haven

$136

$1,627

22%

Middletown

$111

$1,329

0%

Shelton

$105

$1,254

-6%

Norwich

$113

$1,356

2%

Torrington

$113

$1,350

2%

New London

$140

$1,684

27%

Ansonia

$123

$1,479

11%

Derby

$121

$1,448

9%

Groton

$141

$1,691

27%

East Haven

$134

$1,605

21%

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Connecticut homeowners insurance rates by coverage amount

The table below highlights the average annual premium in Connecticut for five different levels of dwelling coverage, which is the part of your policy that covers structural damage to your home.

Generally speaking, more dwelling coverage means higher homeowners insurance rates, as shown in the table below.

Dwelling coverage limit

Average annual cost

$100,000

$645

$200,000

$987

$300,000

$1,329

$400,000

$1,689

$500,000

$2,090

Compare home insurance rates in Connecticut

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Cheapest homeowners insurance companies in Connecticut

Based on our analysis of home insurance quotes in every Connecticut ZIP code, we found that Vermont Mutual, National General, MAPFRE, Farmers, and UPC have the cheapest average home insurance rates in Connecticut.

In addition to these insurers, four other companies have average home insurance rates below Connecticut's average of $1,329 per year.

Company

Average annual cost

Vermont Mutual

$720

National General

$910

MAPFRE Insurance

$1,049

Farmers

$1,060

UPC Insurance

$1,063

The Andover Companies

$1,077

Narragansett Bay

$1,124

USAA

$1,259

Progressive

$1,317

State Farm

$1,359

Allstate

$1,480

Amica

$1,593

Chubb

$2,310

Travelers

$3,552

Collapse table

Cheapest Connecticut homeowners insurance if you have poor credit

poor credit score often means higher home insurance premiums, as insurers view homeowners with low credit as more likely to rely on homeowners insurance to cover small repairs or losses.

With an average rate of $1,254 per year, Vermont Mutual has the cheapest home insurance rates in Connecticut for a homeowner with poor credit.

Company

Average annual cost

Vermont Mutual

$1,254

UPC Insurance

$1,414

National General

$1,574

Progressive

$1,705

MAPFRE Insurance

$1,781

Narragansett Bay

$1,783

Farmers

$1,925

Amica

$1,952

Allstate

$1,978

The Andover Companies

$2,098

USAA

$2,168

State Farm

$2,315

Chubb

$4,977

Travelers

$12,457

Collapse table

Cheapest Connecticut homeowners insurance if you have an older home

Older homes can be costly to insure, as they're more prone to structural damage than a newer build, and they're often constructed with materials and features that are more expensive to replace.

With an average annual premium of $721, Vermont Mutual offers the cheapest home insurance rates in Connecticut for a home over 100 years old.

Company

Average annual cost

Vermont Mutual

$721

Farmers

$977

National General

$1,013

UPC Insurance

$1,035

The Andover Companies

$1,077

MAPFRE Insurance

$1,098

Narragansett Bay

$1,124

USAA

$1,301

Progressive

$1,338

Allstate

$1,410

Amica

$1,589

State Farm

$1,670

Chubb

$2,067

Travelers

$4,983

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Cheapest Connecticut homeowners insurance if you have a history of claims

Claims history is one of the most important factors insurers use when determining home insurance premiums. If you have multiple claims on your record, you'll typically pay more for home insurance, as insurers will consider you more likely to file future claims than a homeowner with a spotless claims history.

With an average annual premium of $840, Vermont Mutual offers the cheapest home insurance rates in Connecticut for a homeowner that's filed three claims within a five-year period.

Company

Average annual cost

Vermont Mutual

$840

The Andover Companies

$1,077

National General

$1,171

UPC Insurance

$1,516

Progressive

$1,617

USAA

$1,801

State Farm

$1,878

Narragansett Bay

$2,067

MAPFRE Insurance

$2,275

Allstate

$2,320

Farmers

$2,575

Amica

$3,347

Chubb

$3,527

Travelers

$5,344

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Coverage options in Connecticut

When looking at how much each insurance company charges for different coverage levels and risks, you should also be aware of what your policy does and doesn’t cover.

Before you buy homeowners insurance in Connecticut, you should be sure you're protected against the state's flooding and winter weather.

Flood insurance

Homeowners insurance doesn't cover damage from floods. Although only a little more than 2% of homes in Connecticut have flood insurance, you should consider getting a flood insurance policy if you live on the coast or in a low-lying part of the state.

Some companies offer flood endorsements or even separate flood insurance policies. Connecticut homeowners can compare private flood insurance companies in the state with Policygenius, or choose a policy through a government entity like the National Flood Insurance Program (NFIP).

Insurance for wintry weather

Connecticut's winters might lead to conditions that could damage your home, like heavy snow and fierce winds. Fortunately, most home insurance policies cover damage from wintry weather, like windstorms, frozen pipes, collapsed roofs, and more.

That said, it's always a good idea to make sure that your home is fully protected by adding extended or guaranteed replacement cost coverage to your dwelling coverage if it's available. That way, you will have enough insurance to fully rebuild your home if it were damaged.

Wind mitigation discounts in Connecticut

Many home insurance companies in Connecticut offer wind mitigation discounts for installing permanent storm shutters or impact-resistant glass to better help your home withstand high winds and flooding caused by hurricanes or strong windstorms.

→ Learn more about wind mitigation discounts & how to qualify

How to buy homeowners insurance in Connecticut

Finding the right homeowners insurance is more than just searching for the cheapest rates and choosing the first policy you find. You want to make sure the policy you select has the right coverage amounts and covers the specific needs of your home and area. 

Here are a few steps to follow as you shop for homeowners insurance in Connecticut.

5 simple steps to buying home insurance in Connecticut

  1. Reach out to a licensed Policygenius agent. Our team of license insurance experts are ready to help you find the right coverage at the right price without skimping on coverage.

  2. Consider purchasing flood insurance. Depending on your proximity to the coast, you could be at a higher risk of hurricane or flood damage. Standard homeowners policies don't cover flooding, so if you live in a floodplain or close to the beach, you may want to consider a separate flood insurance policy. A Policygenius can provide you options and help determine the best option. 

  3. Figure out how much deductible you can afford. Increasing your deductible can lower your rate, but it also means you’ll be paying more out of pocket on each claim.

  4. Compare quotes from a Policygenius agent. Once you've figured out your coverage needs and input a few details about your home, a Policygenius agent will walk you through quotes from several different companies to help you find the right policy at the best price. 

  5. Choose your policy, sign it, and pay your first premium. The only thing left to do is sign your policy and pay your first premium. Your Policygenius agent will complete all the paperwork for you and even cancel any existing policies.

Compare home insurance rates in Connecticut

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Frequently asked questions

What is the average cost of homeowners insurance in Connecticut?

The average cost of homeowners insurance in Connecticut is $111 per month or $1,329 per year.

How does home insurance in Connecticut compare to the national average?

The average home insurance premium in Connecticut is $1,329 per year. This is $570 cheaper than the national average at $1,754. The average cost of home insurance in each state is determined by weather and crime risks, as well as home values in each area.

How can I lower my homeowners insurance in Connecticut?

You can lower your homeowners insurance in Connecticut by taking advantage of discounts offered through your home insurance company. This might mean bundling your home and auto policies together for discounts, or adding security systems to your home.

Is it mandatory to have homeowners insurance in Connecticut?

There are no state or local laws that require homeowners insurance in Connecticut, but it is required by most mortgage lenders. Lenders have a financial stake in your property, and they want to make sure the home is fully protected until it's paid off.

Is home insurance in Hartford, Connecticut more expensive?

Home insurance rates in Hartford, Connecticut are around 10% higher than the statewide average, ringing in at $1,682 per year or $140 a month.

Authors

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Pat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

Editor

Jennifer Gimbel is a senior managing editor at Policygenius, where she oversees all of our insurance coverage. Previously, she was the managing editor at Finder.com and a content strategist at Babble.com.

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