We analyzed data from more than 150 insurance companies to help you find affordable home insurance in Connecticut.
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The typical price of home insurance in Connecticut is $1,481 or $123 per month. This is on par with the national average. The best way to acquire affordable homeowners insurance in Connecticut is to compare rates and consider policies from multiple companies. Your rates may vary depending on coverage options and the value of the dwelling being insured.
Unlike auto insurance, homeowners insurance isn't priced specifically by state. Rates vary depending on the frequency of — and value of — home policy claims filed in that particular state, and also on the value of the dwelling and belongings being insured.
Learn more about average homeowners insurance rates in Connecticut by viewing the figures below.
Prices for home insurance in Connecticut can vary based on the insurance company you use. MetLife sells the cheapest homeowners policies in Connecticut — just $927 per year. This compares favorably to Connecticut's average price of $1,481, providing a $554 discount on average statewide homeowners insurance costs.
Start looking for affordable homeowners coverage by checking out the cheapest Connecticut insurance companies, listed below.
|Insurance Company||Average Yearly Rate in Connecticut|
The level of homeowners coverage you select has an impact on your insurance premiums. Homeowners in Connecticut who carry $100,000 of dwelling coverage pay an average of $624 per year, while those with dwelling coverage of $400,000 pay around $1,806 per year.
|Coverage Level||Average Annual Cost|
Homeowners have a lot of choices to make when shopping for a homeowners insurance policy, including the amount of their deductible. A homeowners deductible is how much your insurance requires you to pay out of pocket toward a claim. Choosing where to set your deductible plays a significant role in how much you pay for homeowners insurance.
When considering your deductible, a good rule of thumb is that the lower your deductible, the higher your premiums. Therefore, consider a higher deductible if your are hoping to lock in lower rates. Remember: your deductible should not be so high that you would struggle to pay it in the event of a loss.
The table below illustrates the typical premium costs associated with standard homeowners deductibles.
|Deductible Tier||Average Annual Homeowners Insurance Rate|
Homeowners insurance rates in Connecticut differ by city. Policies are often priced on city-specific variables like the likelihood of weather-related claims in the area, meaning your specific ZIP code impact how much you pay.
The most affordable home insurance rates in Connecticut are in Torrington. A typical home insurance term in Torrington totals just $1,118 each year — $363 less than the average policy in other Connecticut cities. Reference the below table to see the cheapest cities in Connecticut for home insurance.
|City||Average 12-Month Home Insurance Rate|
If you want to save on insurance, consider purchasing both your home and auto insurance policies from one company. Bundling auto and homeowners insurance in Connecticut can save you a substantial sum each month on your auto insurance bill. Purchasing bundled policies in Connecticut leads to yearly savings of $99.
Avg. Annual Rate (No Bundle)
Avg. Annual Rate (w/ Bundle)
Annual Savings ($)
Annual Savings (%)
Yes, GEICO offers home insurance in Connecticut.
Potentially. Insurance companies may view a homeowner's credit score as a risk indicator. Homeowners with lower credit scores could see higher premiums as a result.
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 hurricane damage. In fact, more than 7,000 single-family homes are considered 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 a basic policy may not sufficiently 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
Flood insurance is a necessity for many in Connecticut. Flood damage — whether a byproduct of a downpour or a hurricane —is not covered by homeowners insurance policies. To insure your home against flood damage, acquire insurance through FEMA's National Flood Insurance Program (NFIP) or via a private insurer.
Flood insurance coverage from private companies may vary, but NFIP flood insurance covers:
If the value of your personal property and home exceeds these limits, consider purchasing a flood insurance policy from our partners at Neptune for additional security.
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.