Best homeowners insurance in Hartford, CT for 2022

We looked at average costs, coverages availability, and customer satisfaction ratings to find the best homeowners insurance companies in Hartford.

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.

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Expert reviewed

This article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.

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By

Pat Howard

Pat Howard

Managing Editor & Licensed Home Insurance Expert

Pat Howard is a managing editor and licensed home insurance expert at Policygenius, where he specializes in homeowners insurance. His work and expertise has been featured in MarketWatch, Real Simple, Fox Business, VentureBeat, This Old House, Investopedia, Fatherly, Lifehacker, Better Homes & Garden, Property Casualty 360, and elsewhere.

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Throughout the year, Hartford homeowners are at risk of water and mold damage from frequent precipitation and coastal storms. But even with these threats, however, there are many affordable homeowners insurance options.

The average cost of homeowners insurance in Hartford is $1,682 per year or $140 a month. This is around 10% higher than the statewide average of $1,571 per year, and about 30% lower than the national average of $1,899. 

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However, cost isn’t the only factor to consider when choosing a home insurance company. Not sure what to look for? Policygenius can help you figure out your coverage needs and compare quotes from multiple top companies in Hartford.  

Best homeowners insurance companies in Hartford

Of the companies we looked at, USAA’s average yearly home insurance cost of $1,240 is the lowest in Hartford — almost $400 lower than the state average. 

State Farm and Amica’s rates are slightly higher than USAA’s, but both insurers make up for it with strong customer satisfaction ratings with J.D. Power. This is another important factor to consider when shopping for home insurance.

Policygenius analyzed thousands of quotes from the 5 largest Hartford 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 Hartford residents to find the best homeowners insurance in Hartford.

Company

Average yearly cost

J.D. Power Rating

Chubb

$2,281

801

Travelers

$4,515

800

State Farm

$1,322

835

USAA

$1,240

882

Amica

$1,589

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 a great option for high-net worth Hartford residents looking for the white glove treatment from their insurance provider. Chubb's homeowners policies include extended dwelling coverage for your house, replacement cost coverage for your personal belongings, and numerous other perks that generally cost extra with other insurance companies.  

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

Travelers has multiple policy options, unique add-ons like green home coverage, and will insure most homes and risk types, so it's no wonder they’re one of the most popular options for homeowners insurance in Hartford.   

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 tops our best list because of their consistently high customer satisfaction ratings with J.D. Power. In addition to heralded customer and claims service, State Farm also has outstanding additional coverage options, like water backup and equipment breakdown coverage.

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

If you are or a family member serves in any branch of the military, then USAA might be the right fit for you. USAA offers comprehensive home insurance coverage options at affordable prices, plus it has a long list of available discounts to make those monthly 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

We love simplicity and Amica really helps streamline the repair process after a covered loss. Amica’s contractor referral program ensures that, once you’ve been approved for a claim reimbursement, Amica will find a qualified contractor to complete the necessary repairs, making the whole process a little less stressful.

How to get a quote

Online through Amica

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Cheapest homeowners insurance companies by ZIP code in Hartford

Looking at average home insurance costs for 15 of the most popular companies in Hartford, we found that the cheapest home insurance company in the city is Vermont Mutual. The average Vermont Mutual home insurance rate throughout the city is $861 per year — almost half the Hartford average yearly rate of $1,682. 

ZIP code

Company

Average yearly cost

06101

Vermont Mutual Insurance

$861

06103

Vermont Mutual Insurance

$861

06105

Vermont Mutual Insurance

$861

06106

Vermont Mutual Insurance

$861

06112

Vermont Mutual Insurance

$861

06114

Vermont Mutual Insurance

$861

06120

Vermont Mutual Insurance

$861

06152

Vermont Mutual Insurance

$861

06160

Vermont Mutual Insurance

$861

The most affordable areas for homeowners insurance in Hartford

With an average home insurance rate of $1,667 per year, the 06152 ZIP code is the most affordable area for home insurance in Hartford. This could be due to the low population density and median home values in the area.

ZIP code

Average yearly cost

06152

$1,667

06120

$1,670

06106

$1,673

06101

$1,673

06112

$1,682

The most expensive areas for homeowners insurance in Hartford

With an average home insurance rate of $1,705, the 06160 ZIP code is the most expensive area for home insurance in Hartford. 

ZIP code

Average yearly cost

06160

$1,705

06103

$1,695

06105

$1,687

06114

$1,684

06112

$1,682

Shopping for homeowners insurance in Hartford

Shopping for homeowners insurance is more than just finding the most affordable rate. You'll want to be sure your insurance company is able to live up to their end of the bargain in the event you need to use your home insurance. That's why it's important to compare coverages, company ratings, and rates from different insurance providers. 

In this section, we break down the average annual home insurance rates in Hartford 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 Hartford.

Hartford home insurance costs by coverage amounts

Dwelling coverage is the part of your homeowners insurance policy that protects your house from covered losses, such as a major weather event like a hurricane. It’s important to note that your dwelling coverage amount should be equal to your home’s replacement cost.

That means your coverage is calculated based on things like construction costs in your ZIP code and your home’s square footage, not the amount it would go for on the open market.  

The table below highlights the average yearly cost for different dwelling coverage amounts. In general, more dwelling coverage means higher homeowners insurance rates. For Hartford residents, the most significant rate jump is between the $300,000 and $400,000 ranges of coverage.

Dwelling coverage amount

Average yearly cost

$100,000

$839

$200,000

$1,256

$300,000

$1,682

$400,000

$2,136

$500,000

$2,642

The personal liability portion of your homeowners insurance policy pays for things like medical bills and legal fees in the event you’re legally responsible for an injury or property damage. 

For example, if you have a friend who falls down the stairs or your dog bites a visiting family member, personal liability coverage would cover any related medical expenses. This coverage also covers you in the event of a lawsuit if the injured party decides to pursue legal action.

As seen in the table below, more liability coverage doesn’t always mean higher average home insurance premiums in Hartford. Those higher coverage amounts could be a great value add for your policy without dramatically increasing your rates. 

Liability coverage amount

Average yearly cost

$100,000

$1,683

$200,000

$1,560

$300,000

$1,682

$400,000

$1,346

$500,000

$1,774

Hartford home insurance costs by deductible amount

Your deductible is the amount you pay your home insurance company before they reimburse you for a claim. Choosing a high deductible policy is a good way to save money on home insurance, but it also means you’ll be responsible for paying more money out of pocket.

As seen in the table below, Hartford residents can save around $300 on home insurance by choosing a $1,000 deductible over the $500 option.

Deductible amount

Average yearly cost

$500

$1,915

$1,000

$1,682

$2,000

$2,008

Home insurance discounts in Hartford

Many homeowners insurance providers offer discounts if you take steps to make your home safer by adding things like deadbolts, smoke alarms, or burglar alarms.   

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 Hartford with deadbolts, smoke alarms, or burglar alarms. 

Discount

Average yearly cost

Dead bolt

$1,682

Smoke alarm

$1,679

Burglar alarm

$1,640

Wind mitigation discounts in Connecticut

Many home insurance companies in Connecticut offer wind mitigation discounts for installing permanent storm shutters or impact-resistant glass to better help your home withstand high winds and flooding caused by hurricanes or strong windstorms.

→ Learn more about wind mitigation discounts & how to qualify

Home insurance companies in Hartford for dog owners

Insurance companies frequently categorize certain dog breeds as more dangerous due to the amount of dog bite liability claims that are filed. If you’re a dog owner, it’s important to research whether your dog is categorized as a higher risk breed or if it is covered at all — some companies deny coverage altogether for specific breeds.

With an average rate of $1,244 per year, USAA has the cheapest home insurance rates in Hartford for a home with a dangerous dog breed, while Traveler’s average yearly premium of $4,515 is the highest. 

Company

Average yearly cost

USAA

$1,240

State Farm

$1,322

Amica

$1,589

Chubb

$2,281

Travelers

$4,515

Home insurance companies in Hartford for poor credit

Generally, individuals with better credit scores enjoy lower home insurance premiums. Insurance companies have found that customers with lower credit scores are more likely to file claims for small losses, like a pipe leak, since they may not be in a financial position to pay for these damages out of pocket.

It’s important to note that while your credit score impacts your policy premiums, some insurance companies don’t weigh this factor as heavily as others, so it’s important to do your research and shop around. 

With an average rate of $1,967 per year, Amica has the cheapest home insurance rates in Hartford for a homeowner with poor credit, while Traveler’s average yearly premium of $11,342 is the highest. 

Company

Average yearly cost

Amica

$1,967

State Farm

$2,250

USAA

$2,297

Chubb

$5,606

Travelers

$11,342

Home insurance companies in Hartford for pool owners

You may also see higher rates if you have a backyard pool. Pools are considered high risk due to the chance of injury, so some insurance providers charge higher rates to offset potentially expensive liability claims.  

With an average rate of $1,240 per year, USAA has the cheapest home insurance rates for Hartford homes that have a swimming pool, while Traveler’s average yearly premium of $4,966 is the most expensive.

Company

Average yearly cost

USAA

$1,240

State Farm

$1,322

Amica

$1,589

Chubb

$2,281

Travelers

$4,966

How to buy homeowners insurance in Hartford

Residents of Hartford, Connecticut need to protect their homes from the impacts of wet, seasonal weather. The best way to do that is to find the right coverage for their property. 

Here are a few steps to follow as you shop for homeowners insurance in Hartford.

  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. Ask about Connecticut's FAIR plan coverage options. If your home is considered high risk and you can’t find coverage from traditional insurance companies, ask your Policygenius agent about getting coverage through the Connecticut FAIR Plan. 

  3. 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, you’ll want to consider separate flood insurance.  

  4. Figure out how much you can afford to pay for your deductible. If you don’t foresee many claims in your future, a high deductible policy is a good way to lower your home insurance rates

  5. Compare quotes from a Policygenius agent. Once you get your coverage needs established and input a few details about your home, a Policygenius agent will walk you through quotes from multiple insurance companies to help you find the best home insurance at the best price. 

  6. 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 Hartford, Connecticut?

The average cost of homeowners insurance in Hartford, Connecticut is $140 per month, or $1,682 per year.

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

The average home insurance premium in Hartford is $1,682 per year. This is almost $300 lower than the national average at $1,899. The average in Hartford is higher than the state average of $1,571, however. The average cost of home insurance in each state is determined by weather and crime risks, as well as home values in each area.

Is it mandatory to have homeowners insurance in Connecticut?

There are no state or local laws that require homeowners insurance in the state of Connecticut, but it is required by most mortgage lenders. Lenders have a financial stake in your property, and they want to make sure it's 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.

Author

Freelance contributor

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.

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