Fact CheckedNerdy takeaways
Chubb is the top-rated insurer in Connecticut, offering the best coverage for high-value homes.
NJM draws a low rate of complaints from homeowners.
The Andover Companies offers the best coverage for most homes.
Amica is our choice for best value, with premiums below the state average.
USAA is our top pick for military families.
Homeowners shopping for the best home insurance in Connecticut have several solid picks to choose from. The best fit for your home will depend on your coverage priorities and which benefits provide the most value for your property.
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. Even if an insurer serves your state, it may not write policies for all homes in all areas.
The best home insurance companies in Connecticut
best for high-value homes
Chubb
- Far fewer consumer complaints than expected for a company of its size.
- Standard coverage includes features that many companies offer only as extras.
- Perks to help you protect your home.
- Most consumers can't get a quote online and will instead need to contact a local agent.
Why it’s worth a look: Chubb is a top-rated insurer that specializes in high-value homes. You’ll find coverage other insurers charge extra for included standard in Chubb’s policies. For example, you’ll automatically get extended replacement cost coverage for your dwelling as well as coverage for water damage from backed-up sewers and drains.
Standout feature: Connecticut’s secondary or seasonal homes may benefit from Chubb’s Property Manager service. With this free service, a Chubb representative will check your home after a hurricane and report any damage. This service also offers to submit claims on your behalf.
Average rates: Not available.
» READ MORE: Chubb homeowners insurance review
fewest complaints
NJM
- Includes coverage other companies charge extra for.
- Very low rate of consumer complaints.
- Many extra coverage options available.
- No app to manage your policy.
Why it’s worth a look: NJM is a regional insurer known in the Northeast and mid-Atlantic for exceptional customer service. It receives far fewer complaints than expected for a company of its size, according to the National Association of Insurance Commissioners.
Standout feature: NJM offers homeowners coverage that goes above and beyond the standard policy. For example, NJM will generally pay whatever it costs above your dwelling coverage limit to rebuild your home after a loss. Additionally, the insurer offers to reimburse damaged personal belongings with brand-new replacements. This generous coverage is usually something other insurers charge extra for.
Average rates: Not available.
» READ MORE: NJM homeowners insurance review
best for most homes
Andover Companies
- Far fewer consumer complaints than expected.
- Includes more generous dwelling and personal property coverage than most insurers.
- Many additional coverage options to choose from.
- Limited online experience.
Why it’s worth a look: As a homeowner, you’ll find The Andover Companies’ wide array of coverage options a good fit for most homes. Not only will you get replacement cost coverage for personal belongings at no extra charge, but you can also add specific coverage for jewelry, firearms and even the food in your fridge.
Standout feature: The Andover Companies stands out for offering a generous amount of ordinance or law coverage. This means Andover will pay to bring your home up to current building codes after a claim.
Average rates: Not available.
» READ MORE: Andover Companies homeowners insurance review
best value
Amica
- High customer satisfaction ratings and low consumer complaints.
- Platinum Choice package offers extra coverage.
- Dividend policies can return a portion of your premiums.
- You can start a quote online but may have to finish the buying process by phone.
Why it’s worth a look: Amica combines a stellar reputation for customer service with affordable rates for Connecticut homeowners. The insurer draws very few complaints, according to the NAIC, and consistently earns top marks in J.D. Power surveys about home insurance and customer satisfaction.
Standout feature: Amica has a lot of coverage options to help homeowners customize their policies. For example, you can add extra coverage for valuables, identity theft or damage from backed-up drains.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $1,450 |
$400,000 | $1,810 |
$500,000 | $2,180 |
$600,000 | $2,540 |
$700,000 | $2,900 |
» READ MORE: Amica homeowners insurance review
best for military families
USAA
- Policies include standard coverage that often costs extra elsewhere.
- Fewer customer complaints to state regulators than expected for a company of its size.
- Perks for military homeowners.
- Available only to active military members, veterans, some federal employees and their families.
Why it’s worth a look: USAA sells homeowners insurance to active-duty military members, veterans, some federal employees and their families. Policies from USAA have features other home insurers charge extra for, such as replacement cost coverage for personal belongings.
Standout feature: Special perks for military members include deductible-free coverage for uniforms and equipment. USAA may also waive your deductible if you file a claim related to a loss caused by war.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $950 |
$400,000 | $1,160 |
$500,000 | $1,350 |
$600,000 | $1,525 |
$700,000 | $1,710 |
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | |
» READ MORE: USAA homeowners insurance review
Other top home insurance companies in Connecticut
These home insurance providers are also worth a look.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Not available | ||
$3,370 | ||
Not available |
How much does homeowners insurance cost in Connecticut?
The average cost of homeowners insurance in Connecticut is $2,690 per year, or about $224 per month. That's 10% less expensive than the national average of $3,005 per year for the same amount of coverage.
These rates are based on a sample home insurance policy with $500,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible and no recent claims.
Did you know...
The dwelling coverage limit on your policy should be the amount it would take to rebuild your home, based on the cost of labor and construction in your area. It won't necessarily be the price you paid for the house or how much you could sell it for now. Use our calculator to estimate your home's rebuilding cost.
The median rebuilding cost for Connecticut homes is $476,458, according to data from First Street, a climate risk modeling firm.
Below are the average rates for policies with various dwelling coverage limits.
Dwelling coverage amount | Average annual rate |
|---|---|
$300,000 | $1,680 |
$400,000 | $2,135 |
$500,000 | $2,690 |
$600,000 | $3,285 |
$700,000 | $3,795 |
The rates above are for homeowners with good credit. In Connecticut, policyholders with poor credit pay an average of $5,575 per year — an increase of 107%.
Average cost of homeowners insurance in Connecticut by city
The amount you pay will vary depending on where you live in the state. For example, the average cost of homeowners insurance in Bridgeport is $3,520 per year, while Stamford homeowners pay $2,595 per year, on average.
City | Average annual rate | Average monthly rate |
|---|---|---|
Ansonia | $2,790 | $233 |
Bridgeport | $3,520 | $293 |
Bristol | $2,180 | $182 |
Danbury | $2,595 | $216 |
Danielson | $2,390 | $199 |
Derby | $2,560 | $213 |
Groton | $4,040 | $337 |
Hartford | $2,680 | $223 |
Jewett City | $2,755 | $230 |
Litchfield | $2,435 | $203 |
Meriden | $3,150 | $263 |
Middletown | $2,980 | $248 |
Naugatuck | $3,305 | $275 |
New Britain | $2,980 | $248 |
New Haven | $3,635 | $303 |
New London | $4,050 | $338 |
Newtown | $2,255 | $188 |
Norwalk | $3,370 | $281 |
Norwich | $3,160 | $263 |
Shelton | $2,815 | $235 |
Stamford | $2,595 | $216 |
Stonington | $3,930 | $328 |
Torrington | $2,410 | $201 |
Waterbury | $3,370 | $281 |
West Haven | $3,790 | $316 |
The cheapest home insurance in Connecticut
Here are the insurers we found with the cheapest rates for a variety of dwelling coverage limits.
Company
NerdWallet star rating
Average annual rate
$460
Vermont Mutual
Not rated
$910
$1,450
$1,505
$950
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
$585
Vermont Mutual
Not rated
$1,225
$1,810
$1,935
$1,160
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
Vermont Mutual
Not rated
$1,475
$2,180
Narragansett Bay
Not rated
$2,355
$2,365
$1,350
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
Vermont Mutual
Not rated
$1,790
$2,540
Narragansett Bay
Not rated
$2,665
$2,795
$1,525
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Company
NerdWallet star rating
Average annual rate
Vermont Mutual
Not rated
$2,105
$2,900
Narragansett Bay
Not rated
$2,975
$3,215
$1,710
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families.
Cheap homeowners insurance in Connecticut by claims history
Here are the cheapest home insurance companies in Connecticut for homeowners who've filed a recent claim.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Vermont Mutual | Not rated | $1,725 |
$2,180 | ||
$3,240 | ||
Narragansett Bay | Not rated | $3,365 |
$1,470 | ||
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | ||
These rates are based on a sample homeowner with good credit, $500,000 of dwelling coverage, $300,000 of liability coverage and a $1,000 deductible.
Cheap homeowners insurance in Connecticut by credit score
Here are the cheapest home insurance companies in Connecticut for homeowners with poor credit. Read more about how your credit scores impact home insurance rates.
Company | NerdWallet star rating | Average annual rate |
|---|---|---|
Vermont Mutual | Not rated | $3,450 |
$3,675 | ||
$4,620 | ||
Narragansett Bay | Not rated | $4,825 |
$5,360 | ||
*USAA homeowners policies are available only to active military, veterans, some federal workers and their families. | ||
These rates are based on a sample home insurance policy with $500,000 in dwelling coverage, $300,000 in liability coverage, a $1,000 deductible and no recent claims.
Common discounts
Make sure to ask your home insurance company about any discounts you may be eligible for. Here are some of the most common:
Many insurers offer savings if you buy more than one policy, such as home and car insurance. See our picks for the best home and auto insurance bundles.
Got a burglar alarm, smoke detectors or a smart device that alerts you if you have a leak? Safety and security features like these could earn you a discount.
Sign up for paperless billing or set your premiums to autopay, and you could get a discount.
Many insurance companies give discounts to customers who’ve gone a certain number of years without filing a home insurance claim.
Some insurers offer discounts to new policyholders or reward those who’ve stuck around for a while.
Teachers, doctors, members of the military and others may be eligible for discounts from certain insurers.
Learn more about common home insurance discounts.
Common Connecticut home insurance problems
Connecticut may be a small state, but it has over 600 miles of coastline, which can present some challenging conditions for homeowners.
Winter weather. Home insurance generally covers the damage winter storms inflict, from frozen pipes to roof damage from ice and snow. However, some kinds of water damage from snowfall could require flood insurance, such as melting snow seeping into your basement.
Flooding. In Connecticut, 61% of residents live in coastal communities prone to floods. Homeowners insurance policies typically don’t cover floods, so you’ll need a separate flood insurance policy. Most policies are through the federal government’s National Flood Insurance Program, though private flood insurance might be available near you.
To check your flood risk, start with the federal government’s flood maps. However, these maps don’t always capture all types of flood risk. You may want to check another source such as First Street, a company that models climate hazards. Enter your address at the top of the page to see your home’s flood risk rating.
Tropical storms and thunderstorms. The Constitution State doesn’t often find itself in the path of a hurricane, but it does get its share of storms with hail and strong winds. A homeowners insurance policy will generally cover damage from wind or hail, but you may have a separate wind deductible. (A deductible is the part of a home insurance claim you’re responsible for paying.)
Common optional coverage
A standard homeowners policy can sometimes fall short, so it's worth looking for ways to make it more comprehensive. For example, we recommend asking if your insurer offers extended or guaranteed replacement cost coverage for your home. These add-ons give you extra dwelling coverage in case it costs more than you expect to rebuild your home after a disaster. Having this coverage can be a useful hedge against inflation.
Here are a few additional types of coverage you may want to buy.
Floods are the most common weather disaster in the U.S. and can happen anywhere, not just coastal areas. You can buy flood insurance through the federal government or from private companies. Learn whether you need flood insurance.
Homeowners policies generally won’t cover damage if a drain backs up into your home or your sump pump fails. Adding water backup coverage can help with these issues.
Homeowners policies may cover your stuff on an actual cash value or replacement cost basis. With actual cash value, the policy will pay less for older items that have lost value over time. To get enough of a claim payout to buy brand-new items, opt for replacement cost coverage.
If you have expensive jewelry, fine art or other valuables, you may need extra insurance for them. Learn more about scheduled personal property coverage.
Service line coverage pays to fix damaged water, gas, sewer or other underground lines on your property.
If your HVAC system or another major appliance fails, equipment breakdown coverage can help pay for repairs.
Connecticut FAIR Plan
The Connecticut Property Insurance Placement Facility, also known as the FAIR Plan, is for homeowners who can’t find insurance in the standard market. You’ll need to work with an agent licensed in Connecticut to understand the plan’s eligibility requirements and apply for a policy.
Connecticut’s FAIR Plan offers actual cash value only and has modest coverage limits including:
Dwelling coverage up to $350,000.
Personal property coverage up to $75,000.
FAIR Plan coverage can be limited, so pay close attention to the perils covered. Connecticut’s FAIR Plan doesn’t cover theft, water damage, freezing or several other common scenarios.
Get home insurance quotes in minutes
Answer a few questions to see custom quotes and find the right policy for you.Connecticut Insurance Department
The Connecticut Insurance Department oversees the state’s insurance industry. It provides an insurer search tool and answers common questions about home insurance in Connecticut.
You can file a complaint against your insurance company on the department's website, through email or by mail. You can also call its consumer hotline with insurance questions at 800-203-3447.
How we review home insurance
Our editorial team considers these factors when rating homeowners insurance companies:
This part of our star rating is based largely on consumer complaints to state regulators, as reported by the National Association of Insurance Commissioners. When available, we also include each company’s performance in the most recent J.D. Power Home Insurance Study. Other factors in our consumer experience score include customer-friendly features such as online claims filing and quotes.
We use AM Best and Demotech ratings to confirm each insurer’s long-term financial stability and ability to pay claims.
Companies score higher if they offer many common endorsements and include more comprehensive coverage in their standard plans. In particular, we look at features such as extended coverage for the structure of your home and replacement cost coverage for personal belongings.
We evaluate how many of the most common home insurance discounts each company offers.
See our complete homeowners insurance rating methodology.
Frequently asked questions
Homeowners insurance isn’t legally required in Connecticut, but if you have a mortgage, your 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.
NerdWallet writers are subject matter authorities who use primary, trustworthy sources to inform their work, including peer-reviewed studies, government websites, academic research and interviews with industry experts. All content is fact-checked for accuracy, timeliness and relevance. You can learn more about NerdWallet's high standards for journalism by reading our editorial guidelines.
- 1.Connecticut Tourism Office. Arriving by Water — Connecticut’s Port Towns. Accessed Mar 4, 2026.
- 2.Connecticut Department of Energy and Environmental Protection. Connecticut: Our Changing Climate. Accessed Mar 4, 2026.
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, coverage, discounts, claims process and website functionality. 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 or star ratings.
Here’s how we weighted each category to come up with our list of the best home insurance companies:
Consumer experience (40%).
Financial strength (30%).
Coverage (25%).
Discounts (5%).
Read our full home insurance ratings methodology for more details.
Homeowners insurance rates methodology
NerdWallet calculated median rates for 40-year-old homeowners from various insurance companies in ZIP codes across all 50 states and Washington, D.C. 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:
$500,000 in dwelling coverage.
$50,000 in other structures coverage.
$250,000 in personal property coverage.
$100,000 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.
In states where credit is a rating factor, we changed the credit tier from “good” to “poor,” as reported to the insurer, to see rates for homeowners with poor credit.
In select states, we added a single wind damage claim to see rates for homeowners with a claim on their record.
These are sample rates generated through Quadrant Information Services. Your own rates will be different.
Complaint methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2022-2024. 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.
Rebuilding cost methodology
The median home rebuilding cost referenced above is based on 2025 replacement cost data from First Street, a climate risk modeling firm. Actual replacement costs may vary based on factors like location, square footage, construction materials, the age of your home and local labor costs.
