Best homeowners insurance in Connecticut for 2022

Laura Gunn

By 

Laura Gunn

Laura Gunn

Freelance contributor

Laura Gunn is an insurance expert and writer. As a former English teacher, she made the transition to full-time writing and editing in 2016. Since that time she has written extensively about insurance topics, as well as topics pertaining to education and marketing.

Her work has been published in The Millennial Source, News Hunt 360, Realty Today, HNGN, and other publications.

Updated May 1, 2022

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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. 

The average cost of homeowners insurance in Connecticut is $1,571 per year or $131 a month. This is around 17% lower than the national average of $1,899 per year. 

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But there are other factors you should consider when choosing an insurer. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Connecticut.  

Best homeowners insurance companies in Connecticut

Of the companies we evaluated, USAA has the lowest rate, with an average annual policy cost of $1,259 per year. This comes in at almost $300 cheaper than the state average. State Farm ranks highly as well, not just for their affordable rates, but for its consistently high customer satisfaction ratings.

Policygenius analyzed thousands of quotes from the 5 largest Connecticut insurers to find the average cost of homeowners insurance with each company in 2022. We then looked at 2021 J.D. Power customer satisfaction scores and compared that with the coverage needs of Connecticut residents to find the best homeowners insurance in Connecticut.

Company

Average yearly cost

J.D. Power Rating

Chubb

$2,310

801

Travelers

$4,958

800

State Farm

$1,359

835

USAA

$1,259

882

Amica

$1,593

854

Chubb

Chubb logo

Chubb is a top-tier insurer ideal for high-value homes that need more robust coverage that goes beyond the run-of-the-mill options offered by traditional insurance companies.

Pros

  • Base policies include extended replacement cost coverage for your home and replacement cost coverage for your personal property — two perks that cost extra with most other companies

  • Helps you find temporary living arrangements if your home can't be lived in after a covered loss

  • No deductible on losses greater than $50,000

  • Cash-out claim settlement option means you can still get paid even if you decide not to repair your home after a covered loss

Cons

  • Rates are among highest in the industry

  • Will only insure high-value homes

Why Chubb tops our best list

Chubb is one of the premier companies in the business because of its industry-best coverage options. Not only do Chubb's homeowners policies include dwelling coverage enhancements like extended replacement cost coverage, but also replacement cost coverage for your personal belongings. Most insurance companies charge extra for these coverage options and add-ons, but Chubb considers this standard protection. 

How to get a quote

Online through Policygenius or Chubb

Travelers

Travelers logo

With over 165 years of experience and impeccable financial ratings, Travelers is one of the most trusted home insurance companies in the business. It offers personalized coverage and a slew of policy add-ons to ensure you have exactly the right protection.

Pros

  • 4 customizable policy packages with several available add-ons, like extended replacement cost and water backup coverage

  • Offers eco-friendly green home coverage and discounts

  • Protect expensive family heirlooms and appliances with equipment breakdown, guaranteed replacement cost, and personal articles coverage

  • File claims online — plus, Travelers has special catastrophe centers for claims after a natural disaster

Cons

  • Below-average customer service and claims satisfaction ratings

Why Travelers tops our best list

We love Travelers for its customizable and flexible homeowners insurance policy options. It offers four complete packages that can be customized to meet the needs of each policyholder — including water backup coverage for Connecticut residents in older homes.

How to get a quote

Online through Policygenius or Travelers

State Farm

State Farm logo

There's a reason State Farm is one of the top-rated insurance companies in the U.S. — its customer satisfaction ratings are through the roof, it offers a slew of coverage add-ons for full protection, and makes filing claims through its mobile app a breeze.

Pros

  • Top-tier coverage add-ons, including equipment breakdown, water backup, and service line coverage

  • Get up to $1 million in personal liability coverage

  • Score discounts for bundling, installing security devices, and choosing a high deductible

  • File and track claims online, over the phone, in person, or through its mobile app

  • High customer satisfaction and financial strength ratings

Cons

  • No discounts for first-time homebuyers or going a year without a claim

Why State Farm tops our best list

State Farm consistently has some of the highest customer satisfaction ratings in the industry. And it's no surprise why. State Farm offers easy claims filing services online, over the phone, in person, or through their mobile app. 

How to get a quote

Online through State Farm

USAA

USAA logo

USAA's robust coverages and high marks for customer service and claims satisfaction make it a solid home insurance option for military members and their families.

Pros

  • Score discounts for zero claims, being a loyal USAA member, opting into e-billing, and more

  • Base policy includes coverages that cost extra with most other companies

  • Offers earthquake coverage — which is hard to come by

  • Get discounted home security systems and a discount on premiums through its partnership with ADT

  • Industry-best customer service and claims satisfaction ratings

Cons

  • Only available to military families

  • Doesn’t offer extended or guaranteed replacement cost dwelling coverage

Why USAA tops our best list

USAA serves military members and their families, and they provide great benefits for those individuals in the state of Connecticut, offering great coverage options at affordable prices. Plus, they have a long list of available discounts to make those premiums even more affordable. 

How to get a quote

Online through USAA

Amica

Amica logo

Amica is known for its award-winning customer service and claims satisfaction ratings, as well as highly customizable home insurance policy options.

Pros

  • Customer service and claims satisfaction ratings are best in the business

  • Numerous policy perks, like the dividend program that refunds a portion of your premiums at the end of the year

  • Contractor referral program helps you find a certified contractor for repairs after you file a claim

  • File and track claims online or through its highly rated mobile app

Cons

  • Rates are on the high end of the spectrum

  • Doesn’t offer guaranteed replacement cost dwelling coverage

Why Amica tops our best list

Amica tops our best list because of their high customer satisfaction ratings and contractor referral program. After filing a claim, Amica agents will help you find a qualified contractor to complete the necessary work after a coverage loss. This helps eliminate some of the stress homeowners feel after filing a claim. 

How to get a quote

Online through Amica

Cheapest homeowners insurance companies by city in Connecticut

Looking at average home insurance costs for the 15 most popular insurers in Connecticut, we found that the cheapest homeowners insurance company in the state is Vermont Mutual. On average, cheaper average rates are found in cities in the southern part of the state. 

The cost of home insurance in Connecticut will vary depending on the home and area you live in. No matter where or how you live, there are often many affordable options to choose from, as seen in the table below. 

City

Company

Average yearly cost

Abington

Vermont Mutual Insurance

$654

Amston

Vermont Mutual Insurance

$654

Andover

Vermont Mutual Insurance

$654

Ansonia

Vermont Mutual Insurance

$748

Ashford

Vermont Mutual Insurance

$654

Avon

Vermont Mutual Insurance

$571

Ballouville

Vermont Mutual Insurance

$654

Baltic

National General

$814

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Shopping for 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. 

In this section, we break down the average annual home insurance rates in Connecticut for different coverage and deductible levels, as well as the cheapest and most expensive home insurance companies in the state for individuals with a poor credit score, dog owners, and pool owners. Once you’re ready to shop, a Policygenius expert can help you navigate your coverage needs and help you find the best deal on homeowners insurance in Connecticut.

Connecticut home insurance costs by coverage amounts

The table below highlights the average yearly cost of different dwelling coverage amounts. On average, the higher your dwelling coverage amount, the higher your rate will be. Connecticut residents can expect the most significant rate jump between the $400,000 and $500,000 dwelling coverage range. 

Dwelling coverage amount

Average yearly cost

$100,000

$817

$200,000

$1,181

$300,000

$1,571

$400,000

$1,983

$500,000

$2,452

Unlike dwelling coverage, the amount of liability coverage in your policy doesn't have much of an impact on your rates. The table below highlights common liability coverage amounts and their corresponding yearly costs. 

Liability coverage amount

Average yearly cost

$100,000

$1,563

$200,000

$1,386

$300,000

$1,571

$400,000

$1,119

$500,000

$1,686

Connecticut home insurance costs by deductible amount

All insurance policies come with a deductible, which is the amount you are responsible for paying out of pocket when you file a claim. A higher deductible generally means lower home insurance premiums, and vice versa.

As seen in the table below, Connecticut residents can save around $300 on home insurance by choosing a $2,000 deductible over the $500 option.

Deductible amount

Average yearly cost

$500

$1,810

$1,000

$1,571

$2,000

$2,134

Home insurance discounts in Connecticut

Many homeowners insurance providers offer discounts if you make your home safer by adding things like deadbolts, smoke alarms, or burglar alarms. Not only will these safety features keep your rates down, but they will also help keep you and your family safer.

While you won’t get a huge discount if your house has one of the following features and nothing else, they can add up if you have several protective devices in your home. Here is the average annual rate and average discount percentage for homes in Connecticut with deadbolts, smoke alarms, or burglar alarms. 

Discount

Average yearly cost

Dead bolt

$1,571

Smoke alarm

$1,568

Burglar alarm

$1,538

Home insurance companies in Connecticut for dog owners

Some insurance companies deem certain dog breeds as aggressive or dangerous, so many insurance companies will charge higher rates to customers who own one. 

With an average rate of $1,259 per year, USAA has the cheapest home insurance rates in Connecticut for a home with a dangerous dog breed, while Traveler’s average yearly premium of $4,958 is the highest. 

Company

Average yearly cost

USAA

$1,259

State Farm

$1,359

Amica

$1,593

Chubb

$2,310

Travelers

$4,958

Home insurance companies in Connecticut for poor credit

A low or poor credit score can also lead to higher insurance premiums, as a low score often signals a potential risk for insurance providers. 

With an average rate of $1,952 per year, Amica has the cheapest home insurance rates in Connecticut for a homeowner with poor credit, while Traveler’s average yearly premium of $12,457 is the highest.

Company

Average yearly cost

Amica

$1,952

USAA

$2,168

State Farm

$2,315

Chubb

$4,977

Travelers

$12,457

Home insurance companies in Connecticut for pool owners

Backyard pools are great for relaxing and entertaining on those warm summer days, but they also present a liability risk. And in some cases, home insurance companies will charge you higher rates if you have one.

With an average rate of $1,259 per year, USAA has the cheapest home insurance rates for Connecticut homes that have a swimming pool, while Travelers’ average yearly premium of $5,454 is the most expensive.

Company

Average yearly cost

USAA

$1,259

State Farm

$1,359

Amica

$1,593

Chubb

$2,310

Travelers

$5,454

How to buy homeowners insurance in Connecticut

Here are a few steps to follow as you shop for homeowners 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 Policygenuis 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. 

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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 $131 per month or $1,571 per year.

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

The average home insurance premium in Connecticut is $1,571 per year. This is over $300 lower than the national average at $1,899. 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.

Methodology

Policygenius has analyzed home insurance rates provided by Quadrant Information Services in March 2022 for ZIP codes in all 50 states plus Washington, D.C., 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.