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The Best Homeowners Insurance in Connecticut [2023]

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Find a top-ranked Homeowners Insurance Agency in your area

Although tiny in size, Connecticut has a large place in U.S. history as one of the original 13 colonies. Located in the heart of New England, Connecticut is a beautiful place to live and raise a family.

If you are considering buying a home in Connecticut, it’s important to compare homeowners insurance rates to find the best coverage that matches your needs.

To help you with your search, we at Expertise.com have analyzed a handful of the best homeowners insurance companies in Connecticut. We’ll explore everything to know about homeowners insurance in the state and help you find the most comprehensive, cheapest coverage.

Average Cost of Homeowners Insurance in Connecticut

The average cost of homeowners insurance in Connecticut is $1,961 per year according to Insurance.com, which compares favorably to the national $2,305 average.

Although the average Constitution State policyholder enjoys lower premiums, homeowners insurance costs in Connecticut can differ vastly based on a few key factors:

  • The age of your home: If your Connecticut home is older, it may be more at risk of more structural wear and tear. 

  • The square footage of your home: How big is your home? In general, larger homes cost more to insure.

  • The materials used to build your home: Was your Connecticut home built using materials that are susceptible to rotting or structural damage?

  • Building costs in your area: Since insurance deals with repairs and replacement costs, higher building costs will make coverage more expensive.

  • Your location: How close are you to the water or the coastline? What are crime rates like? How close are you to a fire department? 

  • Any additional features: Does your house have a swimming pool or hot tub? Do you have pets, and if so, what are their breeds? Insurers may consider these things as potential risks when assessing prices.

  • Your deductible: A higher deductible lowers your premium, but filing a claim may cost you more. Ask your insurance provider about how to reduce your deductibles to get the best plan for your budget.

  • Your claims history: Home insurance companies may charge you more if you have a history of filing claims. Alternatively, you may be eligible for discounts or a claims-free deductible if you have no filing history.

Connecticut Homeowners Insurance Rates by City

While Connecticut is a smaller state by area, the cost of your homeowners insurance policy can also vary significantly depending on where you live.

Below is a breakdown of the average annual rate by city:

City

Average Annual Rate

Bridgeport

Danbury

Hartford

New Britain

New Haven

Norwalk

Stamford

Waterbury

The Best Homeowners Insurance in Connecticut

After extensive research, we at Expertise.com found the following insurance agencies to provide the best, comprehensive coverage in Connecticut:

Amica Logo

Amica


Average Annual Rate: ~ $1,571

Notes: Regional provider with outstanding customer service marks, offers unique dividends on premiums

State Farm logo

State Farm


Average Annual Rate: ~ $1,387

Notes: Good option for new homeowners with high customer satisfaction, but fewer discounts

USAA logo

USAA


Average Annual Rate: ~ $1,215

Notes: Great customer satisfaction and custom policy options for military and veterans

Travelers logo

Travelers


Average Annual Rate: ~ $2,422

Notes: Excellent personalized coverage and deductible options, but lower customer satisfaction scores

Lemonade logo

Lemonade


Average Annual Rate: ~ $850

Notes: Excellent rates, discounts, and fast claims process, but no flood coverage or local agents

Cheapest Homeowners Insurance in Connecticut

The cheapest homeowners insurance coverage in Connecticut is Lemonade for a policy with $300,000 in dwelling and liability coverage, with a $1,000 deductible. 

Keep in mind that home insurance rates vary depending on each person’s situation and claim history, and the cheapest policy may not have all the coverage you need. Still, if cost is your top consideration, check out Lemonade’s coverage options in your area.


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Find Cheap Homeowners Insurance in Your Area

FAQs

Below, we answer some common questions to help you make a more informed decision about which homeowners insurance to choose in Connecticut.

How to Reduce Homeowners Insurance Costs in Connecticut

As we’ve noted, your homeowners insurance coverage price can vary substantially across the insurance industry.

Here are some smart ways to cut costs:

  • Increase your deductible. This can reduce monthly payments to your insurer, but may increase your out-of-pocket costs if you make a claim. Similarly, paying your 6-month or 1-year premium in full will lower monthly costs.

  • Bundle policies. Bundling your home and auto insurance can help you save up to 15-30% on your premiums in Connecticut. Ask your insurance provider about which home and car insurance bundling options can help you save the most.

  • Take the necessary steps to make your home disaster-resistant. Some examples include:

    • Install a smoke detector and/or fire alarm.

    • Get impact-resistant windows.

    • Upgrade security with a burglar alarm and/or deadbolt locks.

    • Install a sprinkler system.

  • Nix the high-risk accessories. Clear your home of things that are considered “high risk.” For example, when your kids go off to college, it’s time to throw out that trampoline in the backyard.

  • Seek out other discounts. Insurance savings can come from unexpected places, for example:

    • Do you work from home? Insurance providers may view you as less vulnerable to theft or more likely to spot a fire or leak sooner.

    • Are you retired or a senior citizen? You may qualify for a discount. 

    • Active military members or veterans may qualify for a discount.

    • Does your employer offer a group deal?

    • Paperless billing instead of snail mail can help you save.

  • Keep good credit. A lender may check your credit history and charge less if you show good financial strength and standing.

As always, consult a local agent to see which discounts you qualify for.

Connecticut Insurance Options in Your City

At Expertise.com, our goal is to connect Connecticut residents with the best local experts and agencies so you can find the right home insurance policy to cover your home and most prized possessions. 

View our list of the 15 best homeowners insurance agencies here

Learn more about the best homeowners insurance options in your respective Connecticut city below:

Our methodology evaluates each provider based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.