Homeowners Insurance in Connecticut

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

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How to get affordable homeowners insurance in Connecticut

Home insurance is an optional — but important — product that works to keep your belongings safe in the event your home suffers damage from common incidents. Home insurance protects your dwelling, attached buildings, and personal property against a variety of calamities, including fire, theft, vandalism, or wind damage.

Unlike auto insurance, homeowners policies aren’t priced based on state laws. Even so, serious differences emerge in home insurance rates from state to state. Homeowners insurance prices in states vary based on the number and value of home insurance claims made in that state, and also on the price of the belongings and home you're insuring.

The best way to get a cheap home insurance policy in Connecticut is to view prices from as many insurers as possible. Learn typical homeowners insurance rates in Connecticut via the below breakdown. Individual rates may vary depending on coverage options.

Homeowners insurance in Connecticut:
  1. By company
  2. Homeowners rates by city
  3. How to bundle home and auto insurance
  4. FAQs

Homeowners insurance prices in Connecticut by carrier

Rates for homeowners insurance in Connecticut differ depending on the insurer you select. MetLife sells the cheapest home insurance in Connecticut, at just $927 per year. This compares favorably to the state mean rate of $1,481, offering a $554 discount on average policy costs statewide.

Start your search for cheap home insurance by viewing average rates from top Connecticut insurance companies, listed below.

InsurerAverage Annual Rate in Connecticut
State Farm$962.75
American Commerce$1,047.31
Merrimack Mutual$1,130.26

Connecticut home insurance by city

Not all Connecticut cities have the same homeowners insurance rates. Pricing depends on locally specific variables such as the number of homeowners claims filed nearby, lending your ZIP code plenty of weight in deciding how much you pay.

The best homeowners insurance in Connecticut is available in Torrington. An average home insurance policy in Torrington costs just $1,118 annually — $363 less than the average Connecticut rate. The below cities have the most affordable homeowners insurance in Connecticut.

CityAverage 12-Month Home Insurance Rate
West Hartford$1,123.66
East Hartford$1,141.82

Home and auto insurance bundles in Connecticut

If you want to save, consider buying your home and auto policies from the same insurance company. Bundling auto and homeowners insurance in Connecticut can lead to substantial savings on auto insurance. Bundling policies in Connecticut leads to a yearly savings of $99.

Avg. Yearly Auto Insurance Rate (No Bundle)Avg. 12-Month Auto Insurance Rate (Bundle)Annual Bundle SavingsBundle Savings %

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

Connecticut homeowners insurance FAQs

Does GEICO offer home insurance in Connecticut?

GEICO does offer home insurance in Connecticut.

Does my credit score affect homeowners insurance in Connecticut?

Yes - insurance companies view credit score as a risk indicator. Homeowners with lower credit scores should expect higher premiums as a result.


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 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 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 (https://www.iii.org/fact-statistic/facts-statistics-hurricanes)

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