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Homeowners in Connecticut can get reliable and affordable insurance coverage from Amica and USAA. These two companies offer flexible coverages, below average rates, and amazing customer service.
However, these providers aren’t the only good options. We evaluated the five best home insurance companies in Connecticut by looking at market share, coverage policies, discounts, and more. Keep reading to find out which Connecticut home insurance companies made the list.
The Five Best Homeowners Insurance Companies in Connecticut
Compare Connecticut’s top insurance companies
| Average Price | AM Best Financial Strength | J.D. Power Overall Customer | |
| Amica | $884 | A+ | 845/1,000 |
| USAA | $863.33 | A++ | 878/1,000 |
| State Farm | $1,067 | A++ | 831/1,000 |
| Allstate | N/A | A+ | 814/1,000 |
| Liberty Mutual | N/A | A | 792/1,000 |
Best Connecticut Homeowners Insurance Companies
Amica
Amica isn’t one of the largest insurers in the U.S., but its great customer service outperforms many of the big names in the industry. It offers standard coverage options and, because it’s owned by its policyholders, you may receive a dividend each year.
Best for Customer Service
Why we chose it
Why we chose it
Pros
- Great customer service
- Handles claims quickly and efficiently
- Money-back dividends for some policies
- Replacement value for personal belongings
Cons
- Bare-bones website
- Limited discounts
Discounts available
- Credit when you insure your new or remodeled home
- Burglar or fire alarms; sprinkler system
- Automatic detection devices such as a water or gas leak system
Unique features
Amica’s most unique feature is its consistent appearance at the top of best customer service lists. It’s been No. 1 with J.D. Power for 18 years — that’s a legacy of customer care that is hard to match.
*J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale
Further Reading on Amica:
USAA
Like Amica, USAA appears at the top of rating lists for its excellent customer service, comprehensive policies, and fair prices. The only catch is that you must be a current or former member of the military community to purchase a policy — but if you are, the company should be your first stop.
Best for Military Members and Families
Why we chose it
Why we chose it
Pros
- Outstanding customer service
- Policies tailored to military family needs
- Competitive pricing
Cons
- Only available to current and former military members and their families
- Limited discounts
Available discounts
- Save 10% if you bundle with auto
- Claims-free 10% discount
- Home security system discount
Unique features
USAA’s policies are written with service men and women in mind. This means they have details that anyone in the military can appreciate, such as full coverage for uniforms for active duty or deployed members.
*J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale
Further Reading on:
State Farm
State Farm offers above-average customer support along with competitive pricing and solid coverage options. For those new to home ownership, its Simple Insights blog can tell you everything you need to know about home ownership in general.
Best Web Experience
Why we chose it
Why we chose it
Pros
- Financially strong
- Excellent web presence
- 19,000+ agents nationally
- Informative blog
Cons
- Limited discounts
- Higher premiums
Available discounts
- Multiple policy discount
- Fire, smoke, or burglar alarms discount
- Impact-resistant roof discount
Unique features
State Farm’s comprehensive website makes it easy to get a detailed quote in minutes. You can also pay your bill, file and manage a claim, and handle most maintenance tasks either online or via the company’s app.
*J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale
Further Reading on State Farm:
Allstate
Allstate’s strength is in the diversity of its offerings and discounts, which allow you to pick and choose the coverage that works best for your circumstances. It has a great website, with tons of useful information.
Most Customizable
Why we chose it
Why we chose it
Pros
- Diverse discount opportunities
- Informative website and digital tools
- Above-average customer service
Cons
- NAIC complaint index score indicates high number of complaints
- Financial strength ratings good, but not great
Discounts available
- Early signing discount
- Home buyer discount
- Hail-resistant roof discount
Unique features
Allstate’s discount list is longer than most national insurers. You could save up to 10% on your premiums if you sign up for your new policy at least 7 days before the current one expires.
*J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale
Further Reading on Allstate:
Liberty Mutual
Liberty Mutual’s homeowners policies can be cheaper than most if you’re able to take advantage of the company’s extensive discounts list. You can earn a discount for everything from being claim-free for five years to putting a new roof on your home.
Most Discounts
Why we chose it
Why we chose it
Pros
- Extensive discounts
- Inflation protection coverage
- Add-ons allow for customizing
Cons
- Mediocre customer service ratings
- Below-average claims satisfaction score from J.D. Power
Discounts available
- Paperless statements discount
- Insured to value discount
- New or renovated house discount
Unique features
By bundling discounts — which isn’t hard to do — you can achieve a considerable savings on your premium costs.
*J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale
Further Reading on Liberty Mutual:
- Liberty Mutual homeowners insurance review
- Liberty Mutual renters insurance review
- Liberty Mutual auto insurance review
Average Cost of Homeowners Insurance in Connecticut
In Connecticut, the average homeowner pays $1,479 for home insurance every year, according to the Insurance Information Institute (III). That’s a fair bit above the national average of $1,211 per year. As of 2017, Connecticut ranked as the 11th most expensive state for homeowners insurance.
Home Insurance Add-Ons That Will Further Protect You
With its long eastern coastline, Connecticut is susceptible to fierce summer storms and even hurricanes coming up from the south. One insurance add-on that Connecticut homeowners should consider is flood insurance, which is available through the National Flood Insurance Program. Standard homeowner insurance policies don’t cover flood damage, so without flood insurance, you’re on the hook financially for repairs.
The Cheapest Homeowner Insurance Companies in Connecticut
| Largest Companies by Market Share in Connecticut | Average Annual Premium |
| Narragansett Bay Ins Co | $387.00 |
| Vermont Mut Ins Co | $436.00 |
| National Specialty Ins Co | $512.00 |
| Century Natl Ins Co | $548.00 |
| Metropolitan Insurance | $563.00 |
| Integon Natl Ins Co | $781.00 |
| USAA | $863.33 |
| Amica | $884.00 |
| Encompass | $968.00 |
| Safeco | $974.00 |
| State Farm | $1,067.00 |
| Merrimack Mut Fire Ins Co | $1,087.00 |
| Farmers Insurance | $1,090.00 |
| MAPFRE | $1,098.50 |
| Homesite | $1,144.00 |
| Chubb | $1,197.00 |
| Cambridge Mut Fire Ins Co | $1,242.00 |
Cost of Homeowners Insurance by Age of Home
| Age of Home (years) | Sample Annual Premium |
| 5 | $904 |
| 20 | $1,106 |
| 35 | $1,128 |
| 50 | $1,132 |
| Average Across Age Tiers | $1,067 |
Top 3 Cheapest Homeowners Insurance Companies in Connecticut
- Narragansett Bay Insurance Co. – $387
- Vermont Mutual Insurance Co. – $436
- National Specialty Insurance Co. – $512
Top 3 Most Expensive Homeowners Insurance Companies in Connecticut
- Cambridge Mutual Fire Insurance Co. – $1,242
- Chubb – $1,197
- Homesite – $1,144
Helpful Resources for Connecticut Homeowners
The Connecticut Department of Insurance website is a good resource for basic information on homeowners insurance. There’s even a page with specific info for coastal homeowners. It’s also the place to go if you have a complaint about your homeowners insurance or if you have questions regarding an insurance claim.
Homeowners Insurance FAQ
Is homeowners insurance required in Connecticut?
You are not required by law to have homeowner insurance in Connecticut. However, if you have a mortgage, your mortgage holder will most likely require that you maintain an active policy for as long as the mortgage exists.
What is the cheapest homeowners insurance in Connecticut?
Our cheapest homeowners insurance quote came from Narragansett Bay Insurance Co., a subsidiary of a Florida company called Heritage Insurance Holdings.
Methodology
We evaluated the companies based on their customer rating and experience, financial stability, and coverage to determine the best providers. To compare home insurance companies across the board, we then calculated a Reviews.com score based on the following:
- Customer Ratings — Customer ratings are an indication of satisfaction with the process of filing a claim. We measured this using J.D. Power Homeowners Satisfaction ratings.
- Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the amount of coverage options and add-ons available.
- Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength will not have issues paying out claims, regardless of the amount. However, companies with weak financial strength might not be able to pay out claims. We measured this using AM Best’s ratings, which specializes in assessing the financial strength of insurance companies.
- Customer Experience — The amount of complaints a company receives is an indicator of the overall customer experience as it expresses dissatisfaction. We have based this measure on the NAIC National Complaint Index.
About the Authors
Elizabeth Rivelli is a Rhode Island-based copywriter and content marketing consultant. She has expertise writing about home, auto and business insurance, and has been published in widely-read publications, including the Simple Dollar, Bankrate and Decision Data. Elizabeth holds a BA in Communications from Northeastern University in Boston.
