The Best Home Insurance in Connecticut for 2024

Travelers and The Andover Companies are among the best home insurance companies in Connecticut.

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Updated · 5 min read
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Written by Sarah Schlichter
Lead Writer
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Assistant Assigning Editor
Fact Checked
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Co-written by Kayda Norman
Lead Writer

The average cost of homeowners insurance in Connecticut is $1,575 per year. That’s compared to the national average of $1,915.

NerdWallet analyzed data from numerous insurance companies to help you find the best home insurance in Connecticut in the following categories:

The rates in our analysis are estimates based on many factors, so your rate may differ.

Note: Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate inaccuracies in pricing data and may update rates for accuracy as new information becomes available.

We include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Our sample homeowner had good credit, $300,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.

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Best affordable homeowners insurance in Connecticut: Travelers

insurance-product-card-logo

Travelers

4.5

NerdWallet rating 
Travelers offers strong coverage and decent discounts.

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

Travelers

4.5

NerdWallet rating 
Travelers offers strong coverage and decent discounts.

Coverage options

About average

Discounts

Average set of discounts

NAIC complaints

Fewer than expected

In Connecticut, the average annual premium for Travelers is $1,455, which is less than the state average of $1,575.

Travelers offers a robust online experience. You can use the website to get a homeowners insurance quote, file and track claims, make payments, and learn about insurance basics.

Its coverage offerings are similarly strong. For example, you may be able to add extra coverage in case the dwelling limit on your home isn’t enough to rebuild your house after a disaster. One unique option is Travelers’ green home coverage, which pays extra if you want to use eco-friendly materials when repairing or rebuilding your home after a covered claim.


Best homeowners insurance in Connecticut for coverage: The Andover Companies

insurance-product-card-logo

Andover Companies

4.5

NerdWallet rating 
Superior coverage sold through independent agents in select states.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

Andover Companies

4.5

NerdWallet rating 
Superior coverage sold through independent agents in select states.

Coverage options

More than average

Discounts

Average set of discounts

NAIC complaints

Far fewer than expected

The Andover Companies’ home insurance policies generally come with broader coverage for your belongings and more coverage for the structure of your home than a standard homeowners policy provides. (Note that most but not all homes qualify for this coverage.)

Most Andover policies also include a generous amount of ordinance or law coverage, which pays to upgrade your home to current building codes during repairs after a covered claim.

Get more information in our Andover homeowners insurance review.


Best homeowners insurance in Connecticut for consumer experience: Nationwide

insurance-product-card-logo

Nationwide

4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

Nationwide

4.5

NerdWallet rating 
For shoppers seeking a broad range of coverage options, Nationwide may fit the bill.

Coverage options

About average

Discounts

Great set of discounts

NAIC complaints

Fewer than expected

Nationwide offers a robust digital experience for its customers, including a website that makes it easy to manage policies, file and track claims, and set up automatic billing. It also has a highly rated app for Android and iOS that allows customers to file and track claims, review policy documents, and set up autopay.

In addition, Nationwide’s customers have several ways to get assistance, such as reaching out to their agent or calling the company’s customer service hotline. Outside of business hours, they can use the Nationwide website to get proof of insurance, pay bills and schedule callbacks. A chatbot is also available to answer basic questions.


Full list of the best homeowners insurance in Connecticut

NerdWallet analyzed home insurance companies across the state to find the best home insurance in Connecticut. Here are all of the insurers that received a NerdWallet star rating of 4.5 or higher:

Company

NerdWallet star rating

Average annual rate

5.0

NerdWallet rating 

$1,505

4.5

NerdWallet rating 

$2,205

5.0

NerdWallet rating 

Not available

5.0

NerdWallet rating 

Not available

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

Not available

4.5

NerdWallet rating 

$1,740

4.5

NerdWallet rating 

$1,455

5.0

NerdWallet rating 

$1,620

*USAA homeowners policies are available only to active military, veterans and their families.

How much does homeowners insurance cost in Connecticut?

The average annual cost of home insurance in Connecticut is $1,575. That’s 18% less than the national average of $1,915.

In most U.S. states, including Connecticut, many insurers use your credit-based insurance score to help set rates. Your insurance score is similar but not identical to your traditional credit score.

In Connecticut, those with poor credit pay an average of $3,095 per year for homeowners insurance, according to NerdWallet’s rate analysis. That’s 97% more than those with good credit, who pay $1,575.

Average cost of homeowners insurance in Connecticut by city

How much you pay for home insurance in Connecticut will depend on your ZIP code. For example, the average cost of homeowners insurance in Hartford is $1,540 a year, while homeowners in New Haven pay an average of $2,065 per year.

City

Average annual rate

Average monthly rate

Bridgeport

$1,915

$160

Bristol

$1,280

$107

Danbury

$1,250

$104

East Hartford

$1,470

$123

Enfield

$1,410

$118

Fairfield

$1,660

$138

Greenwich

$1,520

$127

Hamden

$1,610

$134

Hartford

$1,540

$128

Manchester

$1,375

$115

Meriden

$1,575

$131

Middletown

$1,450

$121

Milford

$2,130

$178

New Britain

$1,475

$123

New Haven

$2,065

$172

Norwalk

$1,825

$152

Norwich

$1,530

$128

Shelton

$1,535

$128

Stamford

$1,530

$128

Stratford

$1,895

$158

Trumbull

$1,420

$118

Wallingford

$1,575

$131

Waterbury

$1,565

$130

West Hartford

$1,420

$118

West Haven

$2,065

$172

The cheapest home insurance in Connecticut

Here are the insurers we found with average annual rates below the Connecticut average of $1,575.

Company

NerdWallet star rating

Average annual rate

Vermont Mutual

4.0

NerdWallet rating 

$1,040

Not rated

$1,285

4.5

NerdWallet rating 

$1,455

5.0

NerdWallet rating 

$1,505

Narragansett Bay

4.0

NerdWallet rating 

$1,510

What to know about Connecticut homeowners insurance

 When shopping for the best homeowners insurance in Connecticut, consider the risks of winter weather, flooding and tropical storms.

Winter weather

Heavy snow can collapse your roof, while frozen pipes and ice dams can cause water damage. A standard homeowners policy will generally cover these scenarios as long as you’ve taken steps to protect your home. For instance, your insurer may not cover damage from a frozen pipe if you turned off your heat while you were away from home.

However, some types of winter weather damage might require extra coverage. For example, your homeowners policy won’t pay for damage from melting snow that seeps into your basement. For that, you’d need separate flood insurance.

If it isn’t clear in your policy, contact your insurance agent to see what coverage you have for winter hazards.

Flooding

Most standard homeowners insurance policies won’t cover flooding from external sources such as heavy rain, overflowing bodies of water, tidal surges or melting snow. If your home is in a flood plain, your lender will likely require you to purchase flood insurance.

To find out if you’re at risk, check out the Federal Emergency Management Agency's flood maps or visit RiskFactor.com, a website from the nonprofit First Street Foundation. Even if you have a low risk, it may be worthwhile to purchase flood insurance for extra peace of mind.

Note that while you can purchase flood coverage anytime, there’s typically a 30-day waiting period before the insurance takes effect.

Tropical storms and thunderstorms

While Connecticut is rarely in the direct path of hurricanes, it's still susceptible to tropical storms and thunderstorms that can cause flooding, as we covered above, plus hail and heavy winds.

In Connecticut, your homeowners insurance policy will generally cover damage from high winds or hail, but you may have a separate wind deductible in your policy. This additional deductible can take the form of a flat rate, such as $1,000, or a percentage of your dwelling coverage. (A homeowners insurance deductible is the amount subtracted from your claim payout.)

For example, your policy may have a $1,000 deductible for most claims and a 1% deductible for wind claims. So if your house has $250,000 worth of dwelling coverage, you’d have to pay for the first $2,500 of wind damage yourself.

A hurricane deductible may also apply if your home experiences damage during a hurricane declared by the National Hurricane Center. Make sure to review your policy and understand your coverage limits if you live in a part of Connecticut with a higher risk of storm damage.

Connecticut insurance department

The Connecticut Insurance Department oversees the state’s insurance industry and has useful resources for consumers. For example, it provides an insurance company search tool and answers frequently asked questions about homeowners insurance in Connecticut.

The Connecticut Insurance Department is also your go-to location to file a complaint against your insurance company online, through email or by mail. You can call its consumer hotline with insurance questions at 800-203-3447.

Frequently asked questions

Homeowners insurance isn’t legally required in Connecticut, but your mortgage lender may require you to buy it. For more information, read Is Homeowners Insurance Required?

There are several ways to save money on homeowners insurance in Connecticut:

  • Shop around to make sure you’re getting the best rate.

  • Choose a higher deductible. In case of any claims, you’ll pay more out of pocket, but your premiums will be lower.

  • Bundle your home and auto insurance for a lower overall rate. See the best home and auto insurance bundles.

  • Ask your insurer if you're eligible for any home insurance discounts.

A standard homeowners policy typically doesn’t cover flooding. That means you may want to buy separate flood insurance if your home is in a high-risk area. Learn how to find the best flood insurance.

Amanda Shapland contributed to this story.

Methodology

NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in every ZIP code across the state. All rates are rounded to the nearest $5.

Sample homeowners were nonsmokers with good credit living in a single-family, two-story home built in 1984. They had a $1,000 deductible and the following coverage limits:

  • $300,000 in dwelling coverage.

  • $30,000 in other structures coverage.

  • $150,000 in personal property coverage.

  • $60,000 in loss of use coverage.

  • $300,000 in liability coverage.

  • $1,000 in medical payments coverage.

We made minor changes to the sample policy in cases where rates for the above coverage limits or deductibles weren’t available.

We changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.

These are sample rates generated through Quadrant Information Services. Your own rates will be different.

Star rating methodology

NerdWallet’s homeowners insurance ratings reward companies for customer-first features and practices. Ratings are based on weighted averages of scores in several categories, including financial strength, consumer complaints, coverages, discounts and online experience. These ratings are a guide, but we encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read our full homeowners insurance rating methodology.

Complaint methodology

NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2020-2022. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.

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