Best and Cheapest Home Insurance Companies in Connecticut

Best and Cheapest Home Insurance Companies in Connecticut

The cheapest home insurance company in Connecticut is Allstate, costing an average of $1,103 per year.

Compare Home Insurance Quotes from Companies in Connecticut

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Home insurance in Connecticut costs an average of $1,669 per year. However, the cost of insurance is only one of the many factors that determine the best plan for you. We collected thousands of quotes across hundreds of ZIP codes from Connecticut's top home insurance companies to see how they compare in terms of cost, customer service, reliability and benefits.

Best cheap home insurance in Connecticut

Cheapest home insurance quotes in Connecticut

Allstate has the cheapest home insurance rate in Connecticut, at $1,103 per year on average.

The average annual rate for home insurance in Connecticut is $1,669. State Farm and Allstate offer cheaper rates on average, State Farm at $1,109 per year and Allstate at $1,103 per year.

Home insurance quotes in Connecticut

Compare Home Insurance Quotes from Companies in Connecticut

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Company
Annual
Allstate logo
Allstate$1,103
State Farm logo
State Farm$1,109
Amica logo
Amica$1,341
Andover logo
Andover$1,378
USAA logo
USAA$1,431
Show All Rows

Best for most homeowners in Connecticut: State Farm

State Farm has excellent home insurance rates and great customer service ratings.
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The good:

  • Strong customer service
  • Expanded coverage options for sewer backup, service line damage
  • Low rates

The bad:

  • Few discounts

State Farm is our recommendation for home insurance for most Connecticut homeowners. It is one of the cheapest home insurance companies in Connecticut, with an average price of $1,109 per year — 34% below the state average. While State Farm doesn't offer much in the way of discounts, its already-low rate covers all the basics for home insurance, including personal property and liability protection.

State Farm also has some of the best customer service ratings in the state, with customers filing complaints at a much lower rate than with other companies. You can expect affordable coverage and good support with State Farm, which is why it's a great option for most homeowners.

Cheapest home insurance in Connecticut: Allstate

Allstate's rates are the cheapest in the state of Connecticut, and it also has a better-than-average customer service rating.
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The good:

  • Big discounts for bundling
  • Affordable rates

The bad:

  • Limited ability to get online quotes

Allstate has the cheapest home insurance in Connecticut, with a yearly average of $1,103, or $92 per month. If you plan on bundling your home and auto insurance, Allstate offers a large discount compared to its competitors, which could further reduce your overall cost.

While Allstate offers cheaper quotes than State Farm, it scored notably lower than State Farm in customer satisfaction. Also, while Allstate does offer an online quoting tool, we were unable to use it for quotes in Connecticut; instead, we were directed to contact Allstate for a quote. Homeowners in Connecticut may need to work with an agent to buy an Allstate policy.

Best for customer service: Amica

Amica has good general coverage, excellent customer service scores and a quick and easy claim filing process.
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The good:

  • Quick and easy claims
  • Great customer service

The bad:

  • Limited customization

Amica offers the strongest customer service we found in the state of Connecticut. It receives only one-third of the customer service complaints of an average home insurance company its size, and it is well known for making it fast and easy to file any claims.

Amica also offers cheap quotes, with an average rate around 20% below the state average, and many standard discounts. While you can't get many add-ons to customize Amica's home insurance plans, Amica's policies do have solid general coverage that would work for most homeowners.

Best for high-value homes: Chubb

Chubb's coverage is well-suited to people with high-value property that are looking for a customized coverage plan to protect their assets.
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The good:

  • Strong customer service
  • Tailored coverage for high-value property

The bad:

  • Expensive rates

Chubb offers unique benefits with its policies for high-value properties, including risk consulting, home appraisals and cash settlement options in the case of a total loss of your home.

Chubb distinguishes itself from its competitors in Connecticut with its extended replacement cost coverage, allowing you to rebuild or repair your home to its original condition, even if the cost exceeds your policy limit. This will also protect you against the potential upgrade costs to make your home fit any new building codes in your area.

If you decide that you do not want to rebuild your home if it's completely destroyed, Chubb will simply pay you cash for the value of your home without depreciation, along with covering your housing and fees while you are changing locations.

While Chubb does have high monthly costs for homeowners, with rates 40% higher than the state average, it does have some of the most customizable policies so that customers with high-value homes can get exactly the coverage they need. Chubb also has a strong customer satisfaction rating, which is valuable in the midst of a hectic situation where you have to file a claim.

However, Chubb is often only available for homes above a certain value. You might not qualify for a policy from Chubb if your home is worth less than the median home value in Connecticut.

Connecticut home insurance rates by city

The city of Willimantic has Connecticut's cheapest home insurance rate at $1,241 per year, while Niantic has the most expensive rate at $2,751 per year.

Bridgeport, the largest city in Connecticut, has an annual average rate of $1,714, which is 3% higher than the state average of $1,669. New Haven, the second-largest city, is 18% more expensive than the state average.

City
Average annual cost
Difference from state average
Abington$2,25835%
Amston$1,283-23%
Andover$1,321-21%
Ansonia$1,630-2%
Ashford$1,332-20%
Show All Rows

Best-rated home insurance companies in Connecticut

Amica and Andover offer the best customer service for home insurance in Connecticut.

Amica and Andover both have low rates of customer complaints, indicating their policyholders are generally satisfied with their service. State Farm and Chubb also have strong customer service ratings in the state, each offering personalized service through individual agents.

Company
Rating
Amica
Andover
USAA
Chubb
State Farm
American Family
Allstate
Travelers

Common homeowners insurance risks in Connecticut: Nor'easters

Connecticut's most common home insurance perils involve seasonal storms that blow from the ocean with high winds and heavy rains.

While some of the damage from these storms will be covered by most home insurance plans, such as heavy wind damage, some of the expenses homeowners could face would not be covered by most policies, like flooding or evacuation costs. You may want to consider purchasing additional coverage through your home insurance company.

Frequently asked questions

What is the best home insurance in Connecticut?

State Farm has the best home insurance for most homeowners in Connecticut because of its low monthly rates, great customer service and availability.

What is the cheapest home insurance in Connecticut?

Allstate offers the cheapest rates for its customers with an average price of $1,103 per year, 34% below the state average. State Farm also has very competitive rates with an average price of $1,109, also 34% below the state average.

Who has the best customer service for home insurance in Connecticut?

Amica, Andover and USAA have the best customer service in the state, all offering strong customer support and easy claim filing.

Does homeowners insurance cover wind damage in Connecticut?

Yes, wind damage from a hurricane or another type of storm is covered by nearly all homeowners insurance policies whether your home is damaged directly or indirectly. Direct damage from a storm could include ripped shingles or siding from strong winds, while indirect damage could be from something like a tree falling and damaging your home.

Does homeowners insurance cover flood damage in Connecticut?

Flooding is a common cause of home damage in Connecticut, and it is unfortunately almost never covered by a standard homeowners insurance policy. If your home is at high risk of flood damage, consider buying a separate flood insurance policy from the National Flood Insurance Program (NFIP) or a private flood insurance company.

Methodology

To find the best home insurance in Connecticut, we collected quotes from the top eight home insurance companies in the state.

We compared quotes from these companies for a typical home built in 1965 with a value of $275,400, based on the median home age and value of Connecticut homes according to U.S. Census data.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

Home insurance ratings are based on complaint data from the National Association of Insurance Commissioners (NAIC), the J.D. Power customer satisfaction survey, as well as ValuePenguin's ratings from the editorial staff.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.