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Last updated on Oct 28, 2020

The Best Homeowners Insurance Companies in Connecticut

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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 StrengthJ.D. Power Overall Customer
    Amica$884A+845/1,000
    USAA$863.33A++878/1,000
    State Farm$1,067A++831/1,000
    AllstateN/AA+814/1,000
    Liberty MutualN/AA792/1,000

    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.

    Amica

    Best for Customer Service

    Why we chose it

    Amica scores highly with consumer satisfaction organizations, but the reason isn’t that it has a lot of unique bells and whistles. Instead, the company has a laser-focus on the customer experience and everything it does, from online quotes to claims payout, is designed to keep its policyholders happy.
    • 4.25 Reviews Score
    • A+ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 845* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Amica scores highly with consumer satisfaction organizations, but the reason isn’t that it has a lot of unique bells and whistles. Instead, the company has a laser-focus on the customer experience and everything it does, from online quotes to claims payout, is designed to keep its policyholders happy.

    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
    Read More

    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.

    USAA

    Best for Military Members and Families

    Why we chose it

    USAA has earned a high reputation for quality and service within the military community. If you fit the demographic, getting a quote from USAA should be the first step in your search for great homeowners insurance.
    • 4 Reviews Score
    • A++ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 878* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A++ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    USAA has earned a high reputation for quality and service within the military community. If you fit the demographic, getting a quote from USAA should be the first step in your search for great homeowners insurance.

    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
    Read More

    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.

    State Farm

    Best Web Experience

    Why we chose it

    Providing a high-quality customer experience is only one of State Farm’s strengths. It also offers good policy coverages with add-ons to allow you to customize your policy.
    • 3.75 Reviews Score
    • A++ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 831* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Providing a high-quality customer experience is only one of State Farm’s strengths. It also offers good policy coverages with add-ons to allow you to customize your policy.

    Pros

    • Financially strong
    • Excellent web presence
    • 19,000+ agents nationally
    • Informative blog

    Cons

    • Limited discounts
    • Higher premiums
    Read More

    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.

    Allstate

    Most Customizable

    Why we chose it

    Allstate’s discounts lead to lower premiums, making the company a good choice for anyone who’s looking to save a few dollars on their premium costs. Allstate is also generous in its coverage, providing up to $10,000 for accidental damage.
    • 4 Reviews Score
    • A+ AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 814* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Allstate’s discounts lead to lower premiums, making the company a good choice for anyone who’s looking to save a few dollars on their premium costs. Allstate is also generous in its coverage, providing up to $10,000 for accidental damage.

    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
    Read More

    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.

    Liberty Mutual

    Most Discounts

    Why we chose it

    Liberty Mutual should be near the top of the list for budget hunters looking to customize their policies. Discounted premiums and multiple endorsement options are key to the company’s appeal.
    • 3.25 Reviews Score
    • A AM Best Rate AM Best rates car insurance provider’s creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 792* J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.
    • A+ BBB Rating The BBB rates companies based on trustworthiness and performance. The company uses a variety of factors, including how the company handles customer complaints.

    Why we chose it

    Liberty Mutual should be near the top of the list for budget hunters looking to customize their policies. Discounted premiums and multiple endorsement options are key to the company’s appeal.

    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
    Read More

    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:

    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 ConnecticutAverage 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

    Elizabeth Rivelli Contributing Writer

    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.

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