Price is important, but so is finding an insurance company that meets your needs and offers responsive service, especially if you ever have to file a claim. Our guide to Connecticut's best homeowners insurance companies is designed to help you find the right coverage and the lowest price.
In this article
How much does homeowners insurance cost in Connecticut?
The average cost of homeowners insurance in Connecticut is $1,738 a year, or $145 a month. This is more than $150 less than the national average of $1,903.
Insurance companies evaluate a number of factors about you and your home to determine your insurance rates, including:
- Your home's age and construction features
- The estimated cost of rebuilding your home in the event of a total loss
- Your community's risk factors, such as crime rates and exposure to severe weather
- Your credit and insurance history
The deductible you choose also affects your rate. The table below shows the average annual rates provided by the top home insurance companies in Connecticut based on deductible amounts ranging from $500 to $1,000.
| Deductible | Average annual premium |
|---|---|
| $500 | $1,995 |
| $1,000 | $1,738 |
| $1,500 | $1,659 |
| $2,000 | $1,590 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
The amount of dwelling coverage you need for your home also plays a major role when insurers calculate your rates. You want to have enough dwelling coverage to rebuild your home if it's destroyed. The table below shows how your rates can vary based on different dwelling coverage amounts.
| Dwelling coverage amount | Average annual premium |
|---|---|
| $200,000 | $1,430 |
| $275,000 | $1,738 |
| $350,000 | $2,109 |
| $425,000 | $2,477 |
| $500,000 | $2,849 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Since each insurance company weighs these factors differently and offers different discounts, you may qualify for a considerably lower rate with one company than you do with others. This is why it's best to compare quotes from multiple companies when you shop.
Cheapest homeowners insurance companies in Connecticut
Allstate's homeowners insurance rates are the cheapest in Connecticut, averaging $1,062 a year statewide. The next-best rates come from Amica Mutual, averaging $1,291 a year.
| Company | Average annual premium |
|---|---|
| Allstate | $1,062 |
| Amica Mutual | $1,291 |
| Chubb | $2,526 |
| American Family | $2,096 |
| Andover Companies | $1,546 |
| State Farm | $1,412 |
| Travelers | $2,529 |
| USAA | $1,444 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Connecticut's best homeowners insurance companies
USAA and Amica Mutual have the highest customer service scores among Connecticut's insurance companies, while Allstate has the cheapest rates.
USAA
884 out of 1,000
low average rate
$1,444 yearly
$1,738 yearly
- USAA has the highest overall customer satisfaction rating among Connecticut's homeowners insurance companies, according to J.D. Power's home insurance study.
- USAA also has an AM Best financial strength rating of A++, which is the best rating a company can get.
- If you're currently in the military, USAA will cover your uniform with no deductible and your military equipment.
- USAA is only available to current and former members of the military and their families.
Chubb
0.13
The NAIC complaint index measures the complaints policyholders file against an insurer with the average complaint index being 1.0.
- Chubb has a low complaint score from the National Association of Insurance Commissioners (NAIC) of 0.13.
- Chubb also has an AM Best financial strength rating of A++, which is the best rating a company can get.
- Chubb offers great coverage if you need extra protection for your home and belongings. After a covered loss, Chubb's Masterpiece coverage will repair or rebuild your home to its original state even if the cost surpasses your policy limit. The Masterpiece product also offers cash settlement up to your policy limit if you choose not to rebuild your home.
- Chubb has an average annual premium that is higher than the state average.
Allstate
$1,062 yearly
$1,738 yearly
- Allstate has the best rates in Connecticut.
- Allstate offers some great discounts if you qualify. If you switch to Allstate with no recent home insurance claims, you may qualify for a discount of up to 20%. You can also save up to 25% if you bundle home and auto policies with Allstate.
- Allstate has a below-average customer satisfaction rating from J.D. Power at 815 out of 1,000 points.
Find cheap home insurance in CT
Connecticut homeowners insurance rates by city
In Connecticut's largest cities, average homeowners insurance rates range from $1,400 a year in Danbury to $2,062 a year in New Haven.
| City | Average annual premium |
|---|---|
| Bridgeport | $1,767 |
| New Haven | $2,062 |
| Stamford | $1,586 |
| Hartford | $1,820 |
| Waterbury | $1,880 |
| Norwalk | $1,752 |
| Danbury | $1,400 |
| New Britain | $1,465 |
| West Hartford | $1,408 |
| Greenwich | $1,529 |
| Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Home insurance risks for Connecticut
Connecticut homeowners are at risk of home damage from natural disasters. However, you can protect your home by getting additional coverage.
Flood insurance
Severe weather along the coast makes flooding a widespread risk throughout Connecticut. Although homeowners insurance generally excludes flood damage, you can purchase flood insurance separately to protect your home from this risk. Most flood insurance is purchased through the government-backed National Flood Insurance Program (NFIP), but several private companies also offer it. In Connecticut, the average price of NFIP flood insurance is $1,310 a year.
Earthquake insurance
According to Connecticut's Division of Emergency Management and Homeland Security, earthquakes are rare in Connecticut but they can happen, especially in East Haddam and the Plainfield areas. You can purchase earthquake insurance separately through insurance companies.
Methodology
We collected quotes from every ZIP code in Connecticut for a standard HO-3 homeowners insurance policy using the following coverages:
- $275,000 dwelling (unless otherwise noted)
- $27,500 other structures
- $137,500 personal property
- $55,000 loss of use
- $100,000 liability
- $5,000 medical payments
- $1,000 deductible (unless otherwise noted)
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