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 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 | |
|---|---|---|---|
$110 | 4.8 out of 5 | ||
$132 | 4.6 out of 5 | ||
$190 | 4.5 out of 5 | ||
$140 | 4.4 out of 5 | ||
$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.
2025 Policygenius award winner
State Farm
4.8
Bundle home & auto
Offers extended replacement cost
Offers flood insurance
Offers earthquake insurance
Wind/hail deductible
Offers wildfire insurance
Why we chose it
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 cons
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 details
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.
2025 Policygenius award winner
Amica
4.6
Why we chose it
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 cons
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 details
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
2025 Policygenius award winner
Farmers
4.5
Offers extended replacement cost
Bundle home & auto
Smart home discounts
Why we chose it
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 cons
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 details
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
2025 Policygenius award winner
Allstate
4.5
Bundle home & auto
Smart home discounts
Why we chose it
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 cons
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 details
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.
2025 Policygenius award winner
Chubb
4.3
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 it
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 cons
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 details
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% |
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 Mutual, National General, MAPFRE, USAA, 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 |
$919 | |
$1,174 | |
$1,240 | |
$1,322 | |
$1,329 | |
$1,347 | |
$1,473 | |
$1,476 | |
$1,589 | |
$1,677 | |
$1,744 | |
$2,279 | |
$2,281 |
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 |
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 |
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 |
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.
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.
