Finding homeowners insurance doesn’t need to be complicated. Compare Connecticut rates by city and insurance company below.
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 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.
| Company | Average 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 |
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.
| City | Average 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 |
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.
| Avg. 12-Month Auto Insurance Rate (No Bundle) | Avg. Yearly Auto Insurance Rate (Bundle) | Annual Bundle Savings | Bundle Savings % |
| $1,474.00 | $1,375.00 | $99.00 | 7% |
You can save money on insurance by bundling your home and auto policies. Start shopping today!