Best Homeowners Insurance in Connecticut (2022)

Allstate offers the cheapest homeowners insurance in Connecticut, but others have better customer service scores.

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Allstate offers the cheapest homeowners insurance in Connecticut, with rates averaging $84 a month statewide. Although Amica Mutual, USAA and State Farm charge a little more, they also have better customer service scores.

In addition to an affordable rate, you need your insurance company to provide coverage that matches your needs and responsive service, especially if you ever have to file a claim. Our guide to Connecticut’s best homeowners insurance companies is designed to help you find the right coverage and the lowest price.

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How much does homeowners insurance cost in Connecticut?

The average cost of homeowners insurance in Connecticut is $1.729 a year, or $144 a month, for a typical detached home. This amount is the 23rd highest rate among all states and higher than average prices in Rhode Island, $103 a month, Massachusetts, $97 a month, and New York, $95 a month.

Insurance companies evaluate a number of factors about you and your home to determine your insurance rates, including:

  • Your home’s age and construction features
  • The estimated cost of rebuilding your home, in the event of a total loss
  • Your community’s risk factors, such as crime rates and exposure to severe weather
  • Your credit and insurance history
  • Any discounts you may be eligible to receive

Since each insurance company weighs these factors differently and offers different discounts, you may qualify for a considerably lower rate with one company than you do with others. This is why it’s best to compare quotes from multiple companies when you shop.

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Cheapest homeowners insurance companies in Connecticut

Allstate’s homeowners insurance rates are the cheapest in Connecticut, averaging $1,011 a year statewide, or $84 a month.

The next-best rates are available from Amica Mutual, $107 a month, USAA, $114 a month, and State Farm, $116 a month. Even though USAA is included in our analysis, its home and auto insurance products and services are only available to current and former members of the military and their families.

Connecticut home insurance rates by company
Company Annual rate Monthly average
Allstate $1,011 $84
Amica Mutual $1,285 $107
State Farm $1,388 $116
State average $1,729 $144
Homesite $1,995 $166
Chubb $2,525 $210
Travelers $2,528 $211
USAA* $1,371 $114
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. USAA is only available to the military community.

Connecticut’s best homeowners insurance companies

USAA and Chubb have the highest customer service scores among Connecticut’s insurance companies, while Allstate has the best rates and Amica Mutual has the best coverage options.

Best customer service scores: USAA and Chubb

J.D. Power gives USAA the highest overall customer satisfaction rating among Connecticut’s homeowners insurance companies, while Chubb has the best complaint score from the National Association of Insurance Commissioners (NAIC).

J.D. Power’s overall satisfaction index is based on customer surveys rating insurance companies on interaction, policy offerings, price, billing process, policy information and claims.

USAA’s score of 884, on a 1,000-point scale, is higher than any other insurance company in the nation. The next-best scores among Connecticut’s insurance companies belong to Amica Mutual, 849, and State Farm, 829.

Satisfaction rankings for Connecticut home insurance companies
Company Satisfaction index rating
USAA* 884
Amica Mutual 849
State Farm 829
Segment average 819
Allstate 815
Chubb 809
Travelers 794
Homesite 753
Source: J.D. Power 2022 U.S. Home Insurance Study. USAA is only available to the military community.

The NAIC’s Complaint Index compares insurance companies by confirmed complaints, which are those that lead to a finding of fault. The national Complaint Index is 1.0. A company with a 2.0 rating has twice as many confirmed complaints as expected for its size, while a company with a 0.5 rating has half as many.

Chubb’s Complaint Index rating of 0.03 is lowest, or best, among Connecticut’s home insurers, followed by Amica Mutual, 0.12 and Travelers, 0.13.

Complaint Index ratings for Connecticut home insurance companies
Company Complaint Index rating
Chubb 0.03
Amica Mutual 0.12
Travelers 0.13
USAA* 0.20
State Farm 0.32
Homesite 0.39
Allstate 0.66
Source: National Association of Insurance Commissioners. *USAA is only available to the military community.

Best rates: Allstate

With rates that are 42% lower than the statewide average, Allstate offers the best rates in Connecticut by a wide margin. Its statewide rates are 21% less than those available from Amica Mutual, the next-cheapest company.

Allstate offers more potential savings with discounts for things such as bundling your home and auto insurance, avoiding claims and having a good payment history.

Best coverage options: Amica Mutual

In addition to offering competitive rates and strong customer service ratings, Amica Mutual also offers the best insurance coverage options for Connecticut homeowners.

The company’s Standard Choice package provides a solid foundation of coverage, while its Platinum Choice package provides several additional coverages to boost your protection.

For example, Amica’s Platinum Choice policies cover damage resulting from sewer and drain backups, which is normally excluded from the standard coverage most companies provide. Platinum Choice policies also cover your belongings at their replacement cost value, which is a step up from the actual-cash-value coverage that standard policies typically provide.

If you don’t need all the extra coverages included in the Platinum Choice package, you can pick and choose the ones you want and add them a la carte to a Standard Choice policy.

Connecticut homeowners insurance rates by city

In Connecticut’s largest cities, average homeowners insurance rates range from $114 a month in Danbury to $159 a month in New Haven. Homeowners in Bridgeport pay an average of $145 a month, while those in Hartford pay $140 a month.

Connecticut home insurance rates by city
City Annual rate Monthly average
Bridgeport $1,740 $145
Danbury $1,368 $114
Greenwich $1,501 $125
Hartford $1,679 $140
New Britain $1,426 $119
New Haven $1,910 $159
Norwalk $1,718 $143
Stamford $1,536 $128
Waterbury $1,780 $148
West Hartford $1,377 $115
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Connecticut home insurance rates by county

Among Connecticut’s eight counties, home insurance rates range from $125 a month in Litchfield County to $180 a month in New London County. The average price of homeowners insurance in Fairfield County is $140 a month. Home insurance prices in Hartford County average $127 a month.

Connecticut home insurance rates by county
County Annual rate Monthly average
Fairfield County $1,680 $140
Hartford County $1,529 $127
Litchfield County $1,498 $125
Middlesex County $1,890 $158
New Haven County $1,810 $151
New London County $2,160 $180
Tolland County $1,643 $137
Windham County $1,586 $132
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Home insurance for Connecticut’s hurricane and flood risks

Connecticut insurance companies generally require you to pay more out of pocket for damage from winds, hail and lightning that accompany a hurricane, and you need separate insurance to cover floods of any type, including storm surges.

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Connecticut’s hurricane and wind deductibles

Homeowners insurance policies in Connecticut typically include a separate deductible for hurricanes, and some companies also offer a separate additional deductible for windstorms that do not reach hurricane force.

Your deductible is the amount you pay to repair or replace your property before insurance funds kick in.

In areas within 2,600 feet of the shore, hurricane deductibles are as high as 5% of a policy’s coverage limits. If you insure your home for $300,000, a 5% hurricane deductible requires you to cover the first $15,000 in hurricane repairs.

Connecticut law limits hurricane deductibles to 2% of your coverage limits for homes located more than 2,600 feet from the shore.

Your all-perils deductible typically applies to covered causes not related to a hurricane, such as a fire, theft or pipes that burst during a winter freeze. However, some companies offer a separate deductible for windstorms that are not related to a hurricane.

Under state law, insurance companies can’t force you to accept a windstorm deductible that is higher than the deductible for all other non-hurricane perils. However, choosing a higher wind deductible typically lowers your rate.

Flood insurance in Connecticut

Although homeowners insurance generally excludes damage from floods, whether they are caused by a hurricane or not, you can purchase flood insurance separately to protect your home from this risk.

Most flood insurance is purchased through the government-backed National Flood Insurance Program (NFIP), but several private companies also offer it. In Connecticut, the average price of NFIP flood insurance is $1,371 a year, or $114 a month.

Severe weather along the coast combined with intense rainfall and rapid snow melts in inland areas make flooding a widespread risk throughout Connecticut.

If you apply for a mortgage for a home in a high-risk flood zone, your lender is likely to require flood insurance. Flood insurance is also widely available on an optional basis if you don’t have a mortgage and/or have a home in a low- or moderate-risk flood zone.

If you’re not sure about your home’s flood risk, or the flood risk of a home you want to buy, you can look it up online in the Flood Map Service Center on FEMA’s website.

FEMA authorizes local insurance agents for many companies in communities across the nation to sell NFIP flood insurance. If your current agent is not authorized, you can find one near you who is on FEMA’s online provider directory.

Frequently asked questions about CT homeowners insurance

How much is homeowners insurance in Connecticut?

On average, homeowners insurance costs $1,729 a year in Connecticut, or $144 a month.

How much is flood insurance in Connecticut?

Flood insurance prices in Connecticut average $1,371 a year, or $114 a month, for policies issued through the National Flood Insurance Program.

Am I entitled to a refund when I change homeowners insurance?

Insurance companies are required to refund any amounts you’ve prepaid for homeowners coverage beyond your cancellation date, but they can charge a small cancellation fee. Since the fee varies by company and state, it’s best to contact your insurance agent for details.

Methodology

Our analysis is based on homeowners insurance quotes obtained from Quadrant Information Services for a typical home in every Connecticut ZIP code. Unless otherwise noted, the quoted rates reflect the costs of an HO-3 policy with the following coverages, limits and deductibles:

  • Dwelling coverage: $275,000
  • Other structures: $27,500
  • Personal property: $137,500
  • Loss of use: $55,000
  • Personal liability: $100,000
  • Medical payments: $5,000

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