Best homeowners insurance in Hartford, CT (2024)

We looked at average costs, customer service ratings, and policy options from multiple top insurers to find the best and cheapest home insurance companies in Hartford.

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By

Andrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Edited by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.
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Reviewed by

Pat HowardPat HowardManaging Editor & Licensed Home Insurance ExpertPat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

Updated|4 min read

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Throughout the year, Hartford homeowners are at risk of water damage caused by frequent precipitation and storms. But even with the threat of damage, there are many affordable homeowners insurance options.

The average cost of homeowners insurance in Hartford is $1,479 per year or $123 a month. This is around 11% higher than the statewide average, but 16% lower than the national average of $1,754. 

Compare home insurance rates in Hartford

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Compare the best cheap homeowners insurance companies in Hartford

The best homeowners insurance companies in Hartford are State Farm, Amica, Farmers, Allstate, and Chubb.

To find the best cheap homeowners insurance in Hartford, Policygenius rated over a dozen of the largest insurance companies in Connecticut across several categories, such as average policy cost, financial strength ratings with AM Best, customer and claims satisfaction scores with J.D. Power, available policy options, and more.

Company

Average monthly cost

Policygenius rating

State Farm

$110

4.8 out of 5

Amica

$132

4.6 out of 5

Farmers

$190

4.5 out of 5

Allstate

$140

4.4 out of 5

Chubb

$190

4.3 out of 5

Methodology & why you can trust our rates

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.

Compare home insurance rates in Hartford

We don't sell your information to third parties.

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2024 Policygenius award winner

State Farm

State Farm logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.8

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Offers extended replacement cost

Offers flood insurance

Offers earthquake insurance

Wind/hail deductible

Offers wildfire insurance

Why we chose itchevron icon

State Farm is the best home insurance company in Hartford thanks to its large selection of policy options, high customer service marks, cheap rates, and industry-best financial stability ratings.

Pros and conschevron icon

Pros

  • Top-tier coverage add-ons, including extended replacement cost coverage

  • High customer satisfaction and financial strength ratings

  • Rates are cheaper than average in Hartford

Cons

  • No discounts for first-time homebuyers

More detailschevron icon

Why we chose State Farm

State Farm is our pick for the best home insurance company in Hartford. For one, State Farm lets homeowners get extended replacement cost coverage for their homes, replacement cost coverage for their personal property, water backup protection, and more.

State Farm's customer service is highly rated, too. The company has received high ratings from policyholders, according to J.D. Power’s 2022 customer satisfaction, claims, and digital experience surveys. It has also received the highest rating possible from A.M. Best for financial strength and stability.

In Hartford, State Farm's rates are cheaper than the statewide average. And while the company doesn't offer as many discounts as other insurers, you could qualify for a large discount if you bundle home and auto insurance with State Farm.

How do State Farm home insurance rates compare to the Hartford average?

The average cost of home insurance from State Farm in Hartford is $1,322 per year, which is 11% cheaper than the citywide average.

How to get a quote

Online through State Farm or by contacting your local State Farm agent.

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2024 Policygenius award winner

Amica

Amica home insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.6

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Why we chose itchevron icon

Amica is the best home insurance company in Hartford if you're looking for highly rated customer service. Amica also has many great ways to customize a basic policy and a unique dividend policy option that can reduce the cost of your insurance.

Pros and conschevron icon

Pros

  • Earned #1 ranking in J.D. Power’s claims and customer satisfaction surveys

  • Lots of coverage add-ons, including extended replacement cost coverage

  • Unique dividend policy option to earn up to 20% back on insurance premiums each year

Cons

  • More expensive than average in Connecticut

More detailschevron icon

Why we chose Amica

Amica has the best customer service ratings of any insurer in Hartford. Amica has consistently been rated highly on J.D. Power's Claims and Customer Satisfaction Surveys. The company also has a superior A+ rating from AM Best and 20% fewer complaints according to the National Association of Insurance Commissioners than other companies.

Amica's coverage options stack up well against other companies, too. Homeowners can get guaranteed and extended replacement cost coverage for their homes, replacement cost coverage for their personal property, water backup protection, coverage for computers and smart devices, and more.

Finally, Amica offers a unique dividend perk that could help you lower the cost of your home insurance. If you buy a dividend policy instead of a basic policy, you could earn back between 5% and 20% of the cost of your insurance each year, depending on how well the company does financially.

How do Amica home insurance rates compare to average in Hartford?

The average cost of Amica home insurance in Hartford is $1,589 per year, which is 7% more expensive than the citywide average.

How to get a quote

Online through Amica

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2024 Policygenius award winner

Farmers

Farmers Insurance logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Offers extended replacement cost

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Farmers is the best home insurance company in Hartford for homeowners who want to add coverage to their policies. Farmers also has a range of discounts and high claims satisfaction scores.

Pros and conschevron icon

Pros

  • Optional extended or guaranteed replacement cost dwelling coverage

  • Receives few complaints from policyholders and has a high claims satisfaction score

Cons

  • Below-average scores on J.D. Power’s overall customer satisfaction and digital experience surveys

  • Rates are much more expensive than average in Hartford

More detailschevron icon

Why we chose Farmers

Farmers is the best homeowners insurance company in Hartford if you want to add coverage to a basic policy, including guaranteed or extended replacement cost coverage, water backup protection, and a personal articles floater.

Farmers also earned a high score in J.D. Power’s 2022 claims satisfaction study (though it was below-average on J.D. Power’s overall customer satisfaction and digital experience surveys). Plus, Farmers receives fewer complaints than average, according to the National Association of Insurance Commissioners.

Farmers is much more expensive than average in Hartford, but it's also one of the best companies for bundling home and auto coverage (you could save up to 18% on your premiums by bundling). The company also offers more than a dozen other discounts, many of which are easy for most homeowners to qualify for.

How do Farmers home insurance rates compare to the average in Hartford?

The average cost of Farmers home insurance in Hartford is $2,279 per year, which is 54% cheaper than the city's average annual premium.

How to get a quote

Online through Farmers

award icon

2024 Policygenius award winner

Allstate

Allstate logo

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.5

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A+

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

Bundle home & auto

Smart home discounts

Why we chose itchevron icon

Allstate is one of the top home insurance companies in Hartford, especially for short-term rental owners who can get HostAdvantage. Allstate also offers a few other add-ons that can make a basic policy stronger.

Pros and conschevron icon

Pros

  • Offers HostAdvantage for short-term rental coverage

  • Offers water backup protection, other endorsements

Cons

  • Beginning to pull back coverage in high-risk areas

  • Customer experience scores with J.D. Power are below the segment average

  • More expensive than average in Hartford

More detailschevron icon

Why we chose Allstate

If you're looking to cover your short-term rental, Allstate's HostAdvantage makes it our top pick for homeowners insurance in Hartford. HostAdvantage comes with theft protection, coverage for your damaged property ($10,000 per host period), and a $25 discount on cleaning services from Merry Maids.

Allstate also offers a few other coverages that you can add to your home insurance policy for more protection. This includes water backup protection, scheduled personal property coverage, and identity theft restoration coverage.

How do Allstate home insurance rates compare to the Hartford average?

The annual average cost of Allstate home insurance in Hartford is $1,677 per year, which is 13% more expensive than the citywide average.

How to get a quote

Online through Policygenius or Allstate, or by contacting a local Allstate agent.

award icon

2024 Policygenius award winner

Chubb

Policygenius rating 

Our proprietary rating methodology takes multiple factors into account, including customer satisfaction, cost, financial strength, and policy offerings. See the "methodology" section for more details.

Full orange starFull orange starFull orange starFull orange starHalf orange star

4.3

AM Best rating 

AM Best is a global credit rating agency that scores the financial strength of insurance companies on a scale from A++ (Superior) to D (Poor).

A++

Cost 

Using a mix of internal and external rate data, we grade the cost of each insurance company's premiums on a scale from least expensive ($) to most expensive ($$$$$).

$

$

$

$

$

All 50 states

Offers flood insurance

Offers extended replacement cost

Offers wildfire insurance

Smart home discounts

Bundle home & auto

Mobile app

New homebuyer discount

Why we chose itchevron icon

Chubb is the best home insurance company in Hartford for people with high-value and luxury homes, as well as other assets that need to be insured, like boats and luxury cars.

Pros and conschevron icon

Pros

  • Extended replacement cost coverage

  • Cash-out claim settlements

  • Complimentary wildfire and hurricane mitigation services

Cons

  • Below-average J.D. Power customer satisfaction ratings

  • More expensive than average in Hartford

More detailschevron icon

Why we chose Chubb

Chubb is the best home insurance company in Hartford for high-value homes. While it's much more expensive than average, Chubb's coverage offerings and specialized features make it our top pick for high-net worth individuals.

Chubb offers a range of robust coverages on top of its basic home insurance protections. These add-ons include extended replacement cost coverage for your home, replacement cost coverage for your personal property, water backup coverage, blanket personal property coverage, equipment breakdown coverage, and more.

You can also get a few special features with Chubb, like property manager services for a second home, high-tech home inspections, and personalized claims services.

How do Chubb home insurance rates compare to the Hartford average?

The average cost of home insurance from Chubb in Hartford is $2,281 per year, which is 54% more expensive than the citywide average.

How to get a quote

Online through Chubb

How much is homeowners insurance in Hartford?

The average cost of homeowners insurance in Hartford is $1,479 per year, or $123 a month, for an insurance policy with $300,000 in dwelling coverage. This means insurance in Hartford is $150 more expensive per year than Connecticut's statewide average.

Hartford home insurance rates by ZIP code

To help you find out how much home insurance costs where you live, we calculated average home insurance rates by ZIP code in Hartford.

ZIP code

Average annual cost

Difference from state average (%)

06106

$1,492

12%

06114

$1,489

12%

06112

$1,484

12%

06105

$1,481

11%

06120

$1,458

10%

06103

$1,492

12%

06152

$1,455

9%

06101

$1,468

10%

06160

$1,496

13%

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Cheapest ZIP codes for home insurance in Hartford

The cheapest ZIP code in Hartford is the 06152 ZIP code. On average, home insurance here costs $1,455 per year. This is 9% more expensive than the statewide average in Connecticut.

ZIP code

Average annual cost

Difference from state average (%)

06152

$1,455

9%

06120

$1,458

10%

06101

$1,468

10%

06105

$1,481

11%

06112

$1,484

12%

Most expensive areas for homeowners insurance in Hartford

The most expensive ZIP code in Hartford is the 06160 ZIP code. On average, home insurance here costs $1,496 per year. This is 13% more expensive than the statewide average in Connecticut.

ZIP code

Average annual cost

Difference from state average (%)

06160

$1,496

13%

06103

$1,492

12%

06106

$1,492

12%

06114

$1,489

12%

Learn more >> Home insurance rates by ZIP code

Hartford home insurance costs by coverage amount

Dwelling coverage is the part of your homeowners insurance policy that protects your house from covered losses, while your personal liability coverage pays for medical bills and legal fees if you’re legally responsible for an injury or property damage.

In general, more dwelling coverage (but not personal liability coverage) means higher homeowners insurance rates.

Dwelling coverage limit

Average annual cost

$100,000

$708

$200,000

$1,096

$300,000

$1,479

$400,000

$1,887

$500,000

$2,333

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 an average of $303 on home insurance by choosing a $1,000 deductible over the $500 option.

Deductible

Average annual cost

$500

$1,601

$1,000

$1,354

$2,000

$1,298

Cheapest homeowners insurance companies in Hartford

We found that the cheapest homeowners insurance companies in Hartford are Vermont MutualNational GeneralMAPFREUSAA, and State Farm. That said, your rates depend on where you live and other factors like coverage amount, deductible, your credit, home's age, and claims history.

Company

Average annual cost

Vermont Mutual

$861

National General

$919

MAPFRE Insurance

$1,174

USAA

$1,240

State Farm

$1,322

Narragansett Bay

$1,329

Foremost

$1,347

UPC Insurance

$1,473

Progressive

$1,476

Amica

$1,589

Allstate

$1,677

The Andover Companies

$1,744

Farmers

$2,279

Chubb

$2,281

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Cheapest home insurance in Hartford if you have poor credit

Generally, people with better credit scores enjoy lower home insurance premiums. Insurance companies have found that customers with lower credit scores are more likely to make more claims.

While your credit score impacts your policy premiums, some insurance companies don’t weigh this factor as heavily as others and may offer cheaper rates.

With an average rate of $1,502 per year, Vermont Mutual has the cheapest home insurance rates in Hartford for a homeowner with poor credit.

Company

Average annual cost

Vermont Mutual

$1,502

National General

$1,588

Progressive

$1,949

Amica

$1,967

MAPFRE Insurance

$1,995

UPC Insurance

$2,001

Narragansett Bay

$2,112

State Farm

$2,250

USAA

$2,297

Allstate

$2,356

Foremost

$2,455

Farmers

$2,872

The Andover Companies

$3,409

Chubb

$5,606

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Cheapest home insurance in Hartford if you have an older home

It can be more expensive to insure older homes since they can be more prone to structural damage than newer homes. They're also often made with with materials and features that would be more expensive to replace after a claim.

The cheapest home insurance rates in Hartford for an older home come from Vermont Mutual, which has an average cost of $861 per year.

Company

Average annual cost

Vermont Mutual

$861

National General

$1,009

MAPFRE Insurance

$1,229

Foremost

$1,241

USAA

$1,291

Narragansett Bay

$1,329

UPC Insurance

$1,429

Progressive

$1,500

Amica

$1,579

State Farm

$1,587

Allstate

$1,588

The Andover Companies

$1,744

Chubb

$2,042

Farmers

$2,217

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Cheapest homeowners insurance in Hartford if you have a history of claims

Having a history of claims is one of the most likely reasons why your rates could be expensive. If you have multiple claims on your record, insurers will think you're more likely to file future claims than a homeowner without any past claims.

We found that Auto-Owners offers the cheapest home insurance rates in Hartford for someone with three claims in a five-year period.

Company

Average annual cost

Vermont Mutual

$1,004

National General

$1,167

The Andover Companies

$1,744

State Farm

$1,787

USAA

$1,833

Progressive

$1,837

UPC Insurance

$2,138

Narragansett Bay

$2,450

MAPFRE Insurance

$2,548

Farmers

$2,575

Allstate

$2,826

Amica

$3,427

Chubb

$3,483

Foremost

$5,200

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Coverage options in Hartford

When looking at how much each insurance company charges for different coverage levels and risks, you should also know what your policy does and doesn’t cover.

Before you buy homeowners insurance in Hartford, you should be sure you're protected from potential flooding and wintry weather.

Flood insurance

While water damage poses a persistent risk to homeowners, most policies don't cover flood damage. If you live in a part of Hartford that's prone to flooding, you should consider getting flood insurance.

A few companies offer flood insurance endorsements or even separate flood insurance policies, but most companies offer coverage through the National Flood Insurance Program (NFIP).

Insurance for wintry weather

Winters in Hartford can bring high winds and lots of snow and ice. Fortunately, most home insurance policies cover damage from wintry weather, like windstorms, frozen pipes, collapsed roofs, and more.

That said, it's always a good idea to make sure that your home is fully protected by adding extended or guaranteed replacement cost coverage to your dwelling coverage if it's available. That way, you will have enough insurance to fully rebuild your home if it were damaged.

How to get homeowners insurance quotes in Hartford

Residents o 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.

Steps to buying homeowners insurance in Hartford, CT

  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.

Compare home insurance rates in Hartford

We don't sell your information to third parties.

Frequently asked questions

What is the average cost of homeowners insurance in Hartford, Connecticut?

The average cost of homeowners insurance in Hartford, Connecticut is $123 per month, or $1,479 per year.

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

The average home insurance premium in Hartford is $1,479 per year. This is almost $300 lower than the national average at $1,754. The average in Hartford is higher than the state average of $1,329, 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.

Author

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

Editor

Pat Howard is a licensed insurance expert and managing editor at Policygenius. Pat has written extensively about the home insurance industry and his insights as a subject matter expert have appeared in several top tier publications, including The New York Times, The Wall Street Journal, CNBC, and Reuters. Pat has a bachelor's degree in journalism from Michigan State University.

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