If you’re looking for the best home insurance in Connecticut, read this guide on the top providers so you can find the right policy for your home.
A Connecticut home insurance policy can protect you against unexpected events like fire, theft, or hail that can damage your home and personal belongings. Keep reading to learn what’s covered under a home insurance policy and which companies offer the best home insurance coverage in the state.
Best Homeowners Insurance Companies in Connecticut
These are our top picks for home insurance providers in Connecticut based on discounts, endorsements, coverage, customer service, cost, and more.
1. Liberty Mutual
Liberty Mutual home insurance includes dwelling, other structures, personal property, additional living expenses, liability, and medical payments coverage. One unique benefit of Liberty Mutual is that it provides 10 discounts to keep premiums affordable.
While older insurance companies, like Liberty Mutual and Travelers, conduct most of their business over the phone, Lemonade has a customer portal, mobile app, and online chat function that allows customers to get answers to their questions without talking to a representative on the phone.
To get a free quote from Lemonade, visit the company’s website.
Travelers has over 165 years of experience in the insurance industry, providing a variety of insurance products and services to consumers.
Connecticut Home Insurance Coverage
Here’s what a Connecticut home insurance policy typically covers:
- Liability—If you cause bodily injury or property damage to another person, your policy will pay for medical bills, any necessary repairs or replacements, and legal fees if you’re sued. Most homeowners need at least $300,000 of this type of protection.
- Medical payments to others—This pays for medical bills if a guest is injured in your home. Most policies come with $1,000 of protection per person.
- Dwelling—This will cover the cost of rebuilding your home if it’s destroyed in a fire or other covered event. To ensure you receive enough dwelling coverage, use the rebuilding estimation given to you by an insurance company or by a local real estate appraiser.
- Other structures—While dwelling coverage protects the built-in elements of your home, other structures coverage protects detached elements like fences, sheds, and garages. This coverage usually makes up 10% of dwelling coverage.
- Personal property—This protects your personal belongings when you’re at home or on a trip. Personal property coverage is usually 50% of dwelling coverage.
- Loss of use—If an event damages your property and you have to live in a hotel or temporary rental during repairs, your provider will reimburse you for living expenses during that time. Loss of use coverage is usually 20% of dwelling coverage.
How Much Does a Homeowners Insurance Policy Cost in Connecticut?
The average cost of a Connecticut homeowners insurance policy in 2017 was around $123.25 per month, according to the Insurance Information Institute. That was higher than the national average of about $101 per month.
Note: The cost of your homeowners insurance policy will vary by state, the type of coverage you choose, and the square footage of your home, among other factors. Because of this, we recommend getting a few insurance quotes from at least three different providers.
Factors to Consider Before Buying Homeowners Insurance
Consider how these factors will affect your home insurance policy:
- Natural disasters—The two most common natural disasters in Connecticut are snowstorms and floods. While damage caused by snow is usually covered under a home insurance policy, water damage from floods typically isn’t. If you live in a floodplain, consider looking into a separate flood insurance policy for extra protection.
- Home inventory—A home inventory is a list of your personal belongings and how much they’re worth. Creating a home inventory helps determine how much personal property coverage you need and makes it easier to see what items were damaged following a covered event.
- Discounts—In a state like Connecticut that has expensive home insurance, discounts can help bring down your monthly premiums. Common discounts include ones for bundling home and auto insurance, being claims-free, and having safety features in your home.
Endorsements—If the six types of coverage in a basic policy don’t offer enough protection, look into additional coverage options called endorsements. Most companies offer endorsements for identity theft, valuable personal property, water backup, and personal property replacement cost.
*Based on sample quotes our team received
Frequently Asked Questions About Home Insurance in Connecticut
Does my home insurance policy protect my dog?
This depends on the company and your dog. If you have a dog breed that’s historically been considered aggressive, like a German Shepherd or pit bull, or your dog has a history of biting people, your insurance company may choose not to include your dog under liability coverage. If that’s the case, you may want to consider purchasing a separate pet insurance policy.
Can I purchase home insurance online?
All three of the companies in this review allow you to request a quote and purchase a policy online. However, companies like Progressive or State Farm require you to talk to a local agent before purchasing a policy.
When will my home insurance policy begin?
When requesting a quote for a home insurance policy, your insurance company will ask you to select a start date (which can be as soon as the following day). On that date, your coverage will begin. This differs from other protection plans, like home warranties, that have a waiting period of around 30 days.
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