Homeowners Insurance in Connecticut

Finding homeowners insurance doesn’t need to be complicated. Compare Connecticut rates by city and insurance company below.

Find cheap homeowners insurance in Connecticut


Homeowners insurance may be optional, but it's important. It helps to protect your belongings in the event your house is damaged. Home insurance defends your dwelling, attached buildings, and personal property in the event of a number of calamities, including theft, fire, vandalism, or wind damage.

Major discrepancies exist in home insurance costs from state to state. Home insurance costs in US states diverge depending on the number and cost homeowners claims filed in the state, and depend on the value of the belongings and dwelling you're insuring.

The easiest way to find cheap home insurance in Connecticut is to get quotes from as many insurance companies as you can. Learn homeowners insurance costs in Connecticut by referencing the below tables. Individual rates may vary depending on coverage options and the value of the dwelling being insured.


Homeowners insurance in Connecticut:
  1. Homeowners rates by company
  2. Rates by city
  3. Bundling discounts


Home insurance rates in Connecticut by insurer

Homeowners insurance rates in Connecticut differ depending on the insurer you use. MetLife offers the best deal on home insurance in Connecticut — $927 per year. This is less than Connecticut's average rate of $1,481, providing a $554 discount on average statewide home insurance costs.

Start searching for affordable homeowners coverage by reviewing the most affordable Connecticut companies, listed below.


THE MOST AFFORDABLE HOMEOWNERS INSURANCE COMPANIES IN CONNECTICUT
CompanyAverage Annual Rate in Connecticut
MetLife$927.14
State Farm$962.75
American Commerce$1,047.31
Amica$1,126.04
Merrimack Mutual$1,130.26


Connecticut home insurance costs by city

Home insurance rates in Connecticut vary depending on the city. Pricing depends on city-specific variables like the likelihood of weather-related claims in the area, lending your ZIP code plenty of weight in deciding how much you pay.

The cheapest home insurance in Connecticut is found in Torrington. In Torrington, the typical home insurance policy costs $1,118 annually — $363 less than the state average. Reference the below table to see the cheapest cities in Connecticut for home insurance.


AFFORDABLE HOMEOWNERS INSURANCE BY CITY IN CONNECTICUT
CityAverage Annual Home Insurance Rate
Torrington$1,117.50
West Hartford$1,123.66
Bristol$1,129.00
Manchester$1,135.67
East Hartford$1,141.82


How to bundle home and auto insurance in Connecticut

To trim a few dollars from your insurance costs, consider purchasing your home and auto policies from the same insurance company. A home and car insurance bundle in Connecticut can lead to substantial savings on your auto insurance bill. In fact, bundling policies in Connecticut leads to a yearly discount of $99.


HOME AND AUTO INSURANCE BUNDLING SAVINGS IN CONNECTICUT
Avg. 12-Month Auto Insurance Rate (No Bundle)Avg. Yearly Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %
$1,474.00$1,375.00$99.007%


You can save money on insurance by bundling your home and auto policies. Start shopping today!


Compare rates from top car insurance companies.

Location pin icon

 

Homeowners insurance and hurricanes in Connecticut

Because hurricanes can cause devastating destruction and wipe out homes altogether, insurance companies are unwilling to take on the risks posed by hurricanes. If you reside in Connecticut, you could face increased risk of experiencing hurricane damage. In fact, 7,167 single-family homes are extremely vulnerable to hurricane damage in Connecticut.*

If you reside in a coastal area, it's essential to check and understand your homeowners insurance policy because usually a basic policy won't be sufficient to cover damage caused by hurricanes — you would need to reinforce your policy with flood and windstorm insurance, which would work in tandem to cover repairs or replacements. Depending on your location, your insurance company may make it compulsory to have a separate deductible for hurricanes if you reside somewhere that's at high risk for hurricanes.

*Source: Insurance Information Institute (https://www.iii.org/fact-statistic/facts-statistics-hurricanes)