Connecticut homeowners enjoy lower-than-average home insurance rates, which might make finding a solid home insurance policy easier. Reviews.com searched for the best home insurance companies in Connecticut by reviewing a number of factors in addition to average insurance premiums. Our research might help you find the right combination of coverage and price for your property coverage needs.
The 4 Best Homeowners Insurance Companies in Connecticut
To find the best home insurance companies in Connecticut, we first looked at 2021 average premium data from Bankrate.com. We also analyzed coverages, discounts, digital features, and third-party scores. Based on our research, these four companies are some of the best in the state:
- Amica: Best for Customer Service
- USAA: Best for Military-Centric Options
- State Farm: Best for Local Agencies
- Allstate: Best for Customizable Coverage
Compare the Best Home Insurance Companies in Connecticut
As you review these companies, keep in mind that we chose them based on our research method. Your wants and needs may be different, and the best company for you may not be on this list. Shopping around is one of the best ways to find the right provider for your situation.
| Average Annual Premium* | AM Best AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. | J.D. Power** J.D. Power scores are based on surveys for customer satisfaction and product quality. | ||
|---|---|---|---|---|
| Pin Amica | $1,109 | A+ | 854/1,000 | |
| Pin USAA** | $834 | A++ | 882/1,000 | |
| Pin State Farm | $973 | A++ | 835/1,000 | |
| Pin Allstate | $1,314 | A+ | 829/1,000 |
Information accurate as of April 2022
*2021 premium data provided by Bankrate.com for $250,000 in dwelling coverage
**J.D. Power’s 2021 U.S. Home Insurance Study. Based on a 1,000-point scale. USAA is not eligible for official ranking due to eligibility restrictions.
Best for Customer Service
WHY WE CHOSE IT
Why we chose it
Pros
- High J.D. Power customer satisfaction score
- Dividend policies available
- Several discounts offered
Cons
- Lower AM Best financial strength score than some competitors
- Average premium is lower than the state average but not the cheapest on our list
- Website is not as robust as those of some competitors
OTHER POLICIES OFFERED
- Condo
- Auto
- Umbrella
- Life
STANDOUT DISCOUNTS AVAILABLE
- Loyalty
- Autopay
- Alarm system
- New/remodeled home
Best for Military-Centric Options
WHY WE CHOSE IT
Why we chose it
Pros
- High J.D. Power customer satisfaction score
- Policies tailored to military family needs
- Low average annual premium
Cons
- Eligibility restrictions
- Fewer advertised discounts than many competitors
- Few local offices
OTHER POLICIES OFFERED
- Motorcycle
- Boat
- Flood
- Valuable Personal Property
STANDOUT DISCOUNTS AVAILABLE
- Bundle
- Protective device
- Claims-free
Best for Local Agencies
WHY WE CHOSE IT
Why we chose it
Pros
- Nationwide local agents
- Above-average J.D. Power customer satisfaction score
- Superior AM Best financial strength
Cons
- Limited discounts
- Website doesn’t offer much information about available coverages
OTHER POLICIES OFFERED
- Auto
- Farm and ranch
- Rental property
- Life
STANDOUT DISCOUNTS AVAILABLE
- Multiple policy
- Home security system
- Roofing discounts
Best for Customizable Coverage
WHY WE CHOSE IT
Why we chose it
Pros
- Numerous optional coverages
- Several discounts
- Local agents available
Cons
- Lowest J.D. Power score on our list
- Highest average premium on our list
- Higher-than-average overall NAIC complaint index
OTHER POLICIES OFFERED
- Auto
- Renters
- Condo
- Life
STANDOUT DISCOUNTS AVAILABLE
- Welcome and loyalty
- Home buyer
- Early signing
- Claims-free
*2021 premium data provided by Bankrate.com for $250,000 in dwelling coverage
**J.D. Power’s 2021 U.S. Home Insurance Study. Based on a 1,000-point scale. USAA is not eligible for official ranking due to eligibility restrictions.
The Average Cost of Homeowners Insurance in Connecticut
In Connecticut, the average homeowner pays $1,184 for $250,000 in dwelling coverage, according to 2021 data from Bankrate.com. That’s a fair bit below the national average of $1,312 per year, possibly due to a lower risk of natural disasters than in other states. One of the best ways to find the best coverage and price for you is to shop around and compare home insurance quotes.
Top 3 Cheapest Homeowners Insurance Companies in Connecticut
| Company | Average Annual Premium* |
| NBIC Holdings Grp | $502 |
| Vermont Mutual | $535 |
| United Ins Holdings Grp | $565 |
*Data from Bankrate.com
Top 3 Most Expensive Homeowners Insurance Companies in Connecticut
| Company | Average Annual Premium* |
| Chubb | $1,869 |
| Travelers | $1,843 |
| Farmers | $1,448 |
*Data from Bankrate.com
Key Things to Know About Home Insurance in Connecticut
Connecticut may have a lower home insurance premium than many other states, but that doesn’t mean the state comes with no risks. Connecticut’s coastal position leaves it vulnerable to hurricanes that travel up the East Coast, bringing heavy rain and strong winds. This could damage your home in numerous ways, so knowing what home insurance coverages to include on your policy may bring you peace of mind.
Home Insurance Coverage Options
With its long eastern coastline, Connecticut is susceptible to fierce summer storms and even hurricanes coming up from the south. Because of this, Connecticut homeowners may want to consider flood insurance, which is available through the National Flood Insurance Program and some private carriers. Your standard home insurance policy will not cover flood damage.
Frequently Asked Questions
Methodology
We evaluated the companies based on their third-party agency ratings for customer experience, financial stability, and coverage options to determine which might be the best providers.
To compare home insurance companies across the board, we considered the following factors:
- Customer Ratings — Customer ratings are an indication of satisfaction with the overall experience with a company. We measured this using 2021 J.D. Power Home Insurance Study ratings.
- Coverage — As there isn’t one company to fit everyone’s needs, we evaluated companies by the coverage options and add-ons available.
- Confidence — It is extremely important for insurance companies to fulfill customers’ claims. Companies with sound financial strength ratings indicate a positive history of being able to pay out claims. We measured this using AM Best ratings.
- 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 National Association of Insurance Companies National Complaint Index.
Rates are based on quoted annual premiums from Bankrate.com. These are sample rates and should be used for comparative purposes only. Your quotes may be different.
The coverage limits for home insurance rates reflect the following coverage and limits:
- Coverage A, Dwelling: $250,000
- Coverage B, Other Structures: $25,000
- Coverage C, Personal Property: $125,000
- Coverage D, Loss of Use: $50,000
- Coverage E, Liability: $300,000
- Coverage F, Medical Payments: $1,000
The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).
About the Authors
Cate Deventer is a writer and licensed insurance agent. She has a Bachelor’s degree in theatre and is currently pursuing a degree in English with a concentration in professional and technical writing from Indiana University East. Her work has been featured on Reviews.com and Bankrate.com, and she’s passionate about helping people take charge of their finances. In her free time, she likes to read thrillers and sci-fi novels, garden, and toss tennis balls for her dog.
