The Best Home Insurance in Connecticut for 2024
Many, or all, of the products featured on this page are from our advertising partners who compensate us when you take certain actions on our website or click to take an action on their website. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.
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:
Best for affordability: Travelers.
Best for coverage: The Andover Companies.
Best for consumer experience: Nationwide.
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.
Best affordable homeowners insurance in Connecticut: Travelers
Coverage options
Discounts
NAIC complaints
Travelers
Coverage options
Discounts
NAIC complaints
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.
Learn more in our Travelers homeowners insurance review.
Best homeowners insurance in Connecticut for coverage: The Andover Companies
Andover Companies
Coverage options
Discounts
NAIC complaints
Andover Companies
Coverage options
Discounts
NAIC complaints
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
Nationwide
Coverage options
Discounts
NAIC complaints
Nationwide
Coverage options
Discounts
NAIC complaints
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.
Learn more with our Nationwide homeowners insurance review.
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 |
|---|---|---|
$1,505 | ||
$2,205 | ||
Not available | ||
Not available | ||
Not available | ||
Not available | ||
Not available | ||
Not available | ||
$1,740 | ||
$1,455 | ||
USAA* | $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 | |
$1,455 | ||
$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.
Amanda Shapland contributed to this story.
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.
On a similar note...
