Popular Questions about Homeowners Insurance in Connecticut
The annual average homeowners insurance premium in Connecticut is $1,479, which is higher than the national average of $1,211 per year. When comparing pricing, it's beneficial to work with a local independent agent who can shop with multiple markets at once.
When shopping for home insurance, you'll want to ensure that your policy fills any gaps in coverage. In Connecticut, it's important to obtain the following on your home policy for complete protection:
- Replacement cost on dwelling and personal property
- Water/sewer back-up coverage
- A separate flood insurance policy
In each state there are common losses reported that every homeowner should be aware of. Check out the top 5 risks for homeowners in Connecticut:
- Hurricanes and tropical storms
- Severe storms and lightning damage
- Heavy snow
- Flooding and water damage
- Burglary and other property crimes
Your Connecticut homeowners insurance rates are calculated using the following personal data and outside exposures:
- Past claims reported
- Dwelling replacement cost
- Coverages selected
- Natural disasters in the area
- Local crime rates
When it comes to protecting your Connecticut home, you'll want to make sure your policy provides replacement cost insurance so that you're property is fully covered when a loss occurs. Some of the best ways to save are by having a burglary alarm and coupling an auto policy for a multiple policy discount. Discuss other ways to cut costs with your local adviser.
Yes, Connecticut currently has 278 independent insurance agencies in existence. Each one works with dozens of carriers so that you get the best coverage that fits your budget.
Do You Know What Your Connecticut Home Insurance Covers?
Find the Best Homeowners Insurance in Your City
How does your city measure up to the national average?
National average burglary rate 3.76 per 1,000 people
National average home value $269,000
National average home insurance cost $1,211 year
| City | Avg. home value | Burglaries (per 1k residents) | Annual insurance cost |
| Bridgeport | $174,700 | 4.01 | $1,652 |
| Bristol | $195,155 | 2.33 | $1,049 |
| Danbury | $314,300 | 1.49 | $1,107 |
| Fairfield | $499,963 | 1.55 | $2,144 |
| Greenwich | $742,507 | 0.76 | $1,467 |
| Hamden | $297,427 | 2.19 | $1,882 |
| Hartford | $208,682 | 6.02 | $1,585 |
| Manchester | $292,118 | 2.30 | $1,096 |
| Meriden | $188,114 | 2.76 | $1,878 |
| New Britain | $169,313 | 5.77 | $1,271 |
| New Haven | $229,634 | 5.71 | $1,839 |
| Norwalk | $435,800 | 1.64 | $1,753 |
| Stamford | $532,700 | 1.73 | $1,887 |
| Waterbury | $140,706 | 5.04 | $1,276 |
| West Hartford | $334,300 | 3.09 | $1,898 |
- $138
- Bridgeport, CT Monthly average home insurance cost
- Average monthly cost of home insurance in Bridgeport: $138
- Keep in mind, this is just an average rate. Your actual rate may be higher or lower depending on factors such as which Bridgeport neighborhood you live in, the value of your house and property, the size of your deductible, and your creditworthiness.
- Homeowners in Bridgeport have a significant risk of damage caused by severe storms like hurricanes. Storms like Superstorm Sandy in 2012 can often bring damaging winds and heavy rains to the area. Fortunately, storm damage is covered by your homeowners insurance. However, this city is also susceptible to storm surges and flash flooding, but flood damage is not covered by home insurance. For this, you will need a supplemental flood insurance policy.
- $153
- New Haven, CT Monthly average home insurance cost
- Average monthly cost of home insurance in New Haven: $153
- Your house is not likely to be the same as your neighbor’s. While everyone in your neighborhood may face the same crime and weather risks, there are many more variables that go into calculating home insurance rates. Your premium will also be based on factors like the size and value of your home, the age of your roof, your claims history, and the size of your deductible. Your monthly rate for New Haven homeowners insurance may therefore be higher or lower than this average.
- New Haven has a high crime rate when compared with the rest of the state. Residents of this city report about 800 burglaries every year. It is therefore important that you take precautions to help secure your home when you are away, such as stopping mail delivery and putting lights on timers. If you have burglar alarm installed in your house, you may even qualify for a discount on your home insurance premiums. If your home is broken into and your valuable are stolen, your home insurance can cover your losses.
- $157
- Stamford, CT Monthly average home insurance cost
- Average monthly cost of home insurance in Stamford: $157
- Of course, what you may actually be expected to pay is likely to differ from this average amount. Your rates will be calculated according to factors like the size of your home, the crime rate and weather risks in your ZIP code, the age of your roof, your credit rating, the amount of your deductible, and more.
- Winter storms and freezing temperatures can be a problem in Stamford. Heavy snows can damage roofs and lead to ice dams, which can damage gutters, soffits, fascia, and eaves. If pipes freeze in your home, they can burst and cause significant water damage to your walls, floors, and property. Fortunately, when you have a solid homeowners insurance policy, you can rest assured that your winter-damaged home can be returned to normal without needing to face a large personal expense.
- $132
- Hartford, CT Monthly average home insurance cost
- Average monthly cost of home insurance in Hartford: $132
- Your homeowners insurance is completely customized according to details about your house and other considerations like your claims history, your deductible amount, and the crime rate and weather risks in your ZIP code. Because of this, your monthly premium may be higher or lower than this city average. The best way to make sure you are paying a reasonable price for your coverage is by comparing rates from a few competing insurance companies.
- One of the most devastating catastrophes a homeowner can experience is a residential fire. In addition to severely damaging your house, a fire can lead to a total loss of your personal belongings including your furniture, electronics, collectibles, and clothing. In times of loss, you may take solace in knowing that your homeowners insurance has you covered. This insurance cannot bring back your irreplaceable precious items like photographs and letters, but it can give you peace of mind in knowing you can afford to rebuild and replace damaged property, as necessary.
- $106
- Waterbury, CT Monthly average home insurance cost
- Average monthly cost of home insurance in Waterbury: $106
- Homeowners insurance rates in can vary significantly from one homeowner to the next. Your actual rate will be based on factors like the size, value, and location of your home, the age of your roof, the materials used in your home’s construction, and even your credit score.
- One of the most common hazards faced by homeowners in Waterbury is that of severe storm damage. When hurricanes and tropical storms make landfall along the Eastern Seaboard, they can bring heavy rains and damaging winds to the area. Sometimes these storms can even generate tornadoes. If your house sustains significant damage, such as if heavy winds topple a tree and it damages a structural wall of your home, your homeowners insurance can help you rebuild, repair, or replace your damaged property. This insurance can even help you pay for a hotel if you are temporarily displaced while your home is being brought back to code.