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.
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.
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.
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 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
Read our full Chubb homeowners insurance review here
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
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
Read our full Travelers home insurance review here
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
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
Read our full State Farm home insurance review
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
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 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
Read our full Amica home insurance review here
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
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 |
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.
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.
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.
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.
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
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.
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.
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.
