Best Homeowners Insurance in Connecticut 2024

Based on our extensive research, the following are Connecticut’s best homeowners insurance providers:

• Liberty Mutual: Our pick for discounts
• Allstate: Our overall pick
• American Family: Offers helpful online resources
• Travelers: Provides a deductible credit
• Lemonade: Our pick for fast claims

According to 2023 homeowners insurance data from Quadrant Information Services, the average cost of homeowners insurance in Connecticut is $2,082.00, which is lower than the national average of $2,511.25.

The factors below have the biggest impact on Connecticut homeowners insurance rates:

• Location: Home insurance rates are typically relative to the cost of living expenses in your area. For example, people who live in metropolitan areas may pay more for their home insurance policies than those who live in rural areas. Your proximity to a police station, fire department or fire hydrant are also factors.
• Replacement cost: One of the biggest influences on the price of home insurance coverage is replacement cost, or the amount of money it would require to rebuild your home. Insurers factor in your home’s square footage, the age of the roof, the number of bedrooms and bathrooms, design style and construction costs to assess replacement cost.
• Age and condition: Home insurance companies also weigh your home’s age and current state into your premiums. The type of plumbing, electrical wiring and materials can affect replacement cost and influence premiums.
• Roof: When a roof is damaged, it can affect your home’s structure and lead to costly claims. Many insurers offer discounts for having an impact or fire-resistant roof or a recently replaced roof.
• Credit score: Like lenders, insurance companies check your credit report to determine how risky you are. You may face higher home insurance costs if your score falls below 580. Homeowners with high credit scores are statistically less likely to file a claim.
• Claims history: Similarly, your insurer will evaluate your claims history. You should expect higher premiums if you’ve filed claims in recent years. On the other hand, applicants with no recent claims could be eligible for discounts or claims-free deductibles.
• Security features: Taking steps to make your home safer could also lower your home insurance premiums. This includes features such as deadbolts, a home security system, or sprinklers. If your burglar or fire alarms report to local authorities, you could get even lower rates.
• Renovations: If you make any updates to your home that influence its replacement cost, like adding a bonus room or upgrading your house’s siding, it could influence your coverage needs and impact premiums.
• Policy structure: The amount of coverage and any endorsements you choose to purchase will influence your rates significantly. The deductible, or the amount you pay out-of-pocket when you file a claim, will also affect the cost of coverage.
• Pool/trampoline: Pools and trampolines can enhance the risk of a liability claim, meaning they may increase your premiums.
• Dog breed: If your dog is considered at a higher risk of biting or injuring someone, it could lead to higher premiums or be excluded from your policy’s coverage. 
• Discounts: Home insurance discounts can shave hundreds of dollars off your premiums. For example, most insurers who sell multiple types of insurance offer discounts for bundling your home or renters insurance policy with car insurance.

The average cost of homeowners insurance in Connecticut is $2,082.00 which is lower than the national average of $2,511.25 according to our analysis of homeowners insurance premiums using data provided by Quadrant Information Services. The annual cost of homeowners insurance can vary greatly based on your specific location which can cause your home to be more or less susceptible to risk. Use the charts below to determine the average cost in your specific area before getting quotes from multiple providers.

Here are some of the most common reasons Connecticut homeowners file claims:

• Wind damage: Because of its location on the Atlantic coast, Connecticut sometimes faces damaging winds, which can lead to fallen trees, downed power lines and exterior damage to homes. 
• Flooding: Connecticut is also susceptible to flooding, a particularly high risk for coastal residents.
• Roof damage: Roof damage is a common claim that often results from wind and storm damage.
• Theft/vandalism: Connecticut residents are at risk of being targeted by criminals. Theft and vandalism are common causes of claims throughout the state and across the nation.

Home insurance covers most of these issues; however, it usually excludes flood damage.You can find a flood insurance policy through the federal government’s National Flood Insurance Program (NFIP) if you'd like to purchase a flood insurance policy. Some home insurance companies, such as Allstate, can help you purchase an NFIP policy.

Liberty Mutual is our top recommendation for Connecticut homeowners. It offers some of the most affordable coverage on the market and its online experience is hard to beat. Whether you’re comparing quotes or filing a claim, Liberty Mutual makes the user experience simple. 

However, all the providers in this review have a strong home insurance reputation and bring something unique to the table. We recommend you compare quotes from at least three providers to select the right provider for your homeowners policy. You can compare quotes quickly by entering your ZIP code here: