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

CityAvg. home valueBurglaries (per 1k residents)Annual insurance cost
New Britain$169,3135.77$1,271
New Haven$229,6345.71$1,839
West Hartford$334,3003.09$1,898