Expertise.com

2024

Last updated:

Best Homeowners Insurance Agencies in Hartford

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Hartford Homeowners Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

84Reviewed

56Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

71 Raymond Road, West Hartford, CT 06107

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

AllConnecticut Insurance Brokers provides property damage coverage to homeowners in Hartford. Beyond securing damages to or loss of a home, the company also offers coverage for select personal valuables and additional home structures. AllConnecticut also offers policies with liability protection and other additional related coverage such as an umbrella policy. It counsels clients on how to optimize their coverage, from updating the value of their belongings to adjusting the policy's scope.

  • Multiple Policy Types

1 Wells Road, Wethersfield, CT 06109

Expertise.com Rating

Review Sources

Google
5.0 (1)

Why choose this provider?

Insurance Associates of Central Connecticut, LLC is an independent insurance agency that helps Hartford clients in finding the right homeowners insurance for them. The agency gets to know the needs of their potential clients and looks for the insurance policies that suit their requirements. The agents also inform the clients about the different features included in the homeowners insurance policy they are getting. Insurance Associates of Central Connecticut also offers other insurance products like auto, flood, and earthquake insurance.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

701 Cottage Grove Road, Bloomfield, CT 06002

Expertise.com Rating

Review Sources

Facebook
3.5 (6)
Google
5.0 (2)

Why choose this provider?

Harris, Adelberg & Strauss is an independent insurance agency that has been providing insurance solutions and services to Hartford locals for over 90 years. It offers standard and non-standard property and casualty insurance. In structuring homeowners' insurance policies, its team conducts a detailed review and analysis of the clients' homes and performs careful calculations for replacement values before writing a quote. It takes into consideration the clients' requirements to find them a carrier that will provide the optimal coverage. Harris, Adelberg & Strauss is Trusted Choice-accredited.

  • Earthquake
  • Multiple Policy Types
  • Multiple Carriers

2074 Park Street, Hartford, CT 06106

Expertise.com Rating

Review Sources

Google
4.6 (18)
Facebook
5.0 (7)
Yelp
3.0 (2)

Why choose this provider?

John Pedraza is an insurance agent offering State Farm's homeowners' insurance products. With a background in family services, Pedraza assists homeowners in assessing financial risks and protecting their belongings and assets. He also aids in determining appropriate coverage options, including jewelry, clothing, collectibles, and electronics, and informs clients of applicable coverage limits. Homeowners also receive financial compensation for damage or loss arising from vandalism, theft, fire, hail, and other perils. John Pedraza is tri-lingual, catering to Spanish and Portuguese-speaking clients.

  • Multiple Policy Types

9 Webster Square Rd, Berlin, CT 06037

Expertise.com Rating

Review Sources

Facebook
4.8 (66)

Why choose this provider?

JMG Insurance Agency is located near Hartford. Since 1916, this agency has been helping homeowners insure their homes against loss and damage. Its agents liaise between clients and top insurance providers to find comprehensive coverage at the best possible rates. Companies this agency works with include American Collectors Insurance, AIG, and Fidelity National Financial. JMG Insurance Agency has won several awards, including 2019 and 2020 Top 100 P/C Agency awards from Insurance Journal.

  • Renter's Insurance
  • Multiple Policy Types
  • Flood

1 Main Street, Holyoke, MA 01040

Expertise.com Rating

Review Sources

Facebook
5.0 (6)

Why choose this provider?

Lawler Insurance Agency is a full-service, independent insurance agency that serves clients in Hartford and throughout its nearby communities. Its team of insurance professionals helps homeowners select policies from reliable carriers at affordable rates. Other insurance products this agency carries include life, auto, renters, and umbrella policies. Some of the carriers it works with include The Hanover Insurance Group, Mass Property Insurance, and Stillwater Insurance Group. Lawler Insurance Agency is a Trusted Choice Independent Insurance Agent.

  • Flood
  • Personal Property Insurance

657 Enfield Street, Enfield, CT 06082

Expertise.com Rating

Review Sources

Google
5.0 (2)
Facebook
5.0 (2)

Why choose this provider?

Koverage Insurance Group is licensed to provide policies for clients in 26 states, including Connecticut. It works directly with clients in the Hartford area, helping them find suitable coverage for their homes and other personal property. The agency is in partnership with a variety of well-known agencies, including DiLorenzo Insurance and First World Insurance. In addition to personal homeowners insurance, Koverage Insurance Group also provides auto, life, and business policies.

  • Personal Property Insurance
  • Multiple Policy Types

72 Main St, Hartford, CT 06106

Expertise.com Rating

Review Sources

Google
4.5 (11)

Why choose this provider?

Main Street Insurance is an agency in Hartford that consists of brokers and independent insurance agents specializing in offering homeowners' insurance. Its professional agents coordinate with their clients to identify their coverage needs and proceed to present home insurance quotes. They also assist their clients when they file a claim for their home insurance. Working with several insurance providers, Main Street Insurance handles auto, motorcycle, health, business, and condo and renters' insurance as well.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

40 South Street, West Hartford, CT 06110

Expertise.com Rating

Review Sources

Google
4.8 (40)
Facebook
5.0 (14)

Why choose this provider?

StateChoice is an insurance company that has been serving the Hartford metro area and nearby communities for more than 15 years. The company assists individuals and families in comparing several insurance carriers and purchasing the right homeowners insurance policy that suits their needs. Its licensed agents educate customers on the different coverage options, including structural protection, personal belongings, and owner's liability. Other offerings include auto, life, recreational, commercial, and workers' compensation insurance policies. The company also serves clients in other metro areas within Connecticut.

  • Multiple Policy Types

97 Center Street, Chicopee, MA 01013

Expertise.com Rating

Review Sources

Google
5.0 (37)

Why choose this provider?

Phillips Insurance Agency offers homeowners' insurance for individuals and families in the Hartford area. Its team has been providing coverage for more than 60 years, helping clients to make sure they can remain financially sound after a catastrophic event damages their home or results in loss of contents. Other coverage options at this agency include renters, boat, and auto insurance, as well as bonds. Phillips Insurance Agency is a member of the National Association of Surety Bond Producers.

  • Renter's Insurance
  • Multiple Policy Types
  • Multiple Carriers

821 Maple Avenue, Hartford, CT 06114

Expertise.com Rating

Review Sources

Google
5.0 (3)

Why choose this provider?

Nelson Insurance Agency, Inc. discusses insurance policy options to residents and business property owners in Hartford and the neighboring areas. The agents advise clients on the coverages to include in their homeowners' insurance policy depending on the clients' needs and budget. The standard homeowners' insurance policy provides financial protection in the case of damage to property and its contents due to disasters such as fire, theft, and vandalism. The company has over 50 years of experience in the insurance business.

  • Multiple Policy Types
  • Fire

1333 Boston Road, Springfield, MA 01119

Expertise.com Rating

Review Sources

Facebook
5.0 (3)

Why choose this provider?

Homeland Insurance Network LLC is based in the Hartford area. It specializes in helping homeowners obtain reliable coverage, as well as in providing auto, commercial, and life insurance policies. Home insurance can be purchased instantly online or on a mobile device, or new clients can visit an agent in the office to obtain quotes and purchase the policy that works best for them. Homeland Insurance Network's agents also offer help with claims and policy changes.

  • Multiple Policy Types

45 Connecticut Boulevard, East Hartford, CT 06108

Expertise.com Rating

Review Sources

Facebook
5.0 (7)
Google
5.0 (1)
Yelp
1.0 (1)

Why choose this provider?

Founded in 1938, Ferguson & McGuire is a private-owned agency that provides insurance products to clients in Hartford. Among these various products is homeowners' insurance that financially protects the clients' homes from damage. This insurance also shields the clients' families from liabilities. As an independent insurance agency, Ferguson & McGuire agents get to know the clients' needs and risks and tailor a policy that will address them. The agency also offers business insurance and personal insurance policies.

  • Renter's Insurance
  • Multiple Policy Types
  • Personal Property Insurance

400 Broadway Street, Chicopee, MA 01020

Expertise.com Rating

Why choose this provider?

E.J. O'Neil Insurance Agency has been serving clients in the Hartford area for more than a century. This agency helps its clients save time and money by shopping for policies from top carriers on their behalf. It helps homeowners select the coverage that gives them peace of mind and protects their financial wellbeing when major damages or thefts occur in their homes. E.J. O'Neil Insurance Agency offers services in English or Polish.

  • Personal Property Insurance

FAQs

  • Introduction

    Homeowners' insurance is a type of property insurance used by private property owners to protect their home and property from a range of risks and liabilities. It is also called home insurance.

    All homeowners' insurance policies cover the primary home on a property, meaning that most damage from weather, accidents, vandalism, and other events will be at least partially paid for by the insurance company. Many policies also include coverage for other structures, personal property, and some premises liability.

    It is not required by law that a homeowner purchases insurance for their property. However, if you have a mortgage, the lender will usually make purchasing a homeowners' policy a mandatory part of the loan process. Since the mortgage lender is essentially selling you the home, they require you to protect the investment.
  • What risks do Hartford residents face that make it important for them to purchase homeowners' insurance?

    Homeowners in Hartford face a variety of threats that can lead to property damage and losses, including destructive winds that impact roofs, siding, and the overall structural integrity of homes. Among the most alarming perils that homeowners in the area confront are house fires, which can lead to the loss of homes and possessions. Additionally, instances of theft and burglaries in Hartford are on the rise each year.

  • What are the home maintenance requirements that Hartford homeowners must meet to keep their home insurance coverage?

    Important home maintenance tips for retaining home insurance coverage in Hartford include snow removal to reduce the risk of injury. Routine roof examinations are crucial for detecting possible issues before they escalate into major concerns. It is equally important to assess the foundation for any signs of cracks or leaks to maintain home insurance coverage.

  • What is the average cost of homeowners’ insurance in Hartford?

    The typical cost of homeowners' insurance in Hartford amounts to $1,479 annually, which is equivalent to $123 per month. This figure is approximately 11% higher than the average cost across the state, yet it stands 16% below the national average cost of $1,754. It is important to note that homeowners' insurance can vary widely based on factors such as the location of the property, the value of the home, and the coverage limits.

  • What risks are typically not covered by standard Hartford homeowners' insurance policies?

    Perils that are not included in most standard Hartford homeowners' insurance policies include flood damage. Flood insurance must be purchased as a separate policy. Standard home insurance policies provide coverage for personal belongings, but there could be limits on insuring high-value items such as jewelry, art, and collectibles. To ensure comprehensive protection, it might be essential to obtain extra coverage or endorsements.

  • What insurance options are available for Hartford residents with alternative living arrangements?

    Hartford residents who own houseboats should secure a specialized boat insurance plan that covers all facets of their watercraft, including storm-induced damage and collisions with other boats. For unconventional residences like yurts and tiny houses, a distinct policy is necessary, extending coverage to both the physical structure and the contents within. Those who possess recreational vehicles must invest in a dedicated insurance policy tailored to such vehicles to protect themselves financially.

  • What determines the price of homeowners insurance premium?

    The premium, or monthly cost, of your homeowners' insurance policy depends on several factors, including the value of your home and amount of coverage you choose. Your credit history and whether the property is in a higher risk area also play a role.

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