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
- Amica: Best for Customer Service
- USAA: Best for Military-Focused Coverage
- State Farm: Best Web Experience
- Allstate: Most Customizable
- Liberty Mutual: Best for Discounts
Compare Connecticut’s top insurance companies
| Average Annual Premium* | AM Best Financial Strength | J.D. Power Overall Customer Satisfaction** | |
| Amica | $1,109 | A+ | 845/1,000 |
| USAA | $834 | A++ | 878/1,000 |
| State Farm | $973 | A++ | 831/1,000 |
| Allstate | $1,314 | A+ | 814/1,000 |
| Liberty Mutual | N/A | A | 792/1,000 |
*Data from Bankrate.com for $250,000 in dwelling coverage
**J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale. USAA not rated due to eligibility restrictions.
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.
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-Focused Coverage
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.
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
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.
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.
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.
Best for 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.
Further Reading on Liberty Mutual:
- Liberty Mutual homeowners insurance review
- Liberty Mutual renters insurance review
- Liberty Mutual auto insurance review
*Data from Bankrate.com for $250,000 in dwelling coverage
**J.D. Power 2019 Home Insurance Customer Satisfaction Survey, based on a 1,000-point scale
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 other states.
Home Insurance Add-Ons That May 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
| Home Insurance Company | Average Annual Premium* |
| NBIC Holdings Grp | $502 |
| Vermont Mutual | $535 |
| United Ins Holdings Grp | $565 |
| State Natl Grp | $642 |
| AmTrustNGHGrp | $645 |
| USAA | $834 |
| State Farm | $973 |
| AmTrust Financial | $1,016 |
| American Family | $1,108 |
| Amica | $1,109 |
| ANDOVER Grp | $1,289 |
| MAPFRE Ins Grp | $1,307 |
| Allstate | $1,314 |
| Farmers | $1,448 |
| Travelers | $1,843 |
| Chubb | $1,869 |
*Based on $250,000 in dwelling coverage
Top 3 Cheapest Homeowners Insurance Companies in Connecticut
- NBIC Holdings Grp – $502
- Vermont Mutual – $535
- United Ins Holdings Grp – $565
Top 3 Most Expensive Homeowners Insurance Companies in Connecticut
- Chubb – $1,869
- Travelers – $1,843
- Farmers – $1,448
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
Methodology
We evaluated the companies based on their third-party agency ratings for customer experience, financial stability, as well as 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 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.
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
Elizabeth Rivelli is an insurance writer for Reviews.com. Over the last year, she has covered insurance providers, best policies, industry trends and more. Elizabeth has been featured in The Simple Dollar, Bankrate and Coverage.com, among others. She holds a bachelor's degree in Communication Studies from Northeastern University in Boston, MA. The Best Term Life Insurance Companies is Elizabeth’s favorite review on Reviews.com.
