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Best homeowners insurance in Connecticut for 2022

Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance. Updated Nov 07, 2022

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What To Know First

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The Bankrate promise

Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We've maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we're putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most - price, customer service, policy features and savings opportunities - so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we're putting accuracy first.

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In Connecticut, homeowners insurance costs $1,216 per year, on average, for $250,000 in dwelling coverage. Whether renewing your current policy or searching for home insurance for the first time, the task can be daunting with many carriers available. To help you find Connecticut home insurance from the best companies in the state, Bankrate compared dozens of carriers offering home insurance coverage in Connecticut to make your search easier. We found USAA, Amica, Farmers and Travelers among the best Connecticut homeowners insurance companies. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage

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Return to form Key Takeaways The best Connecticut homeowners insurance companies are USAA, Amica, Farmers and Travelers, according to our research. Connecticut homeowners pay an average of $1,216 per year for $250,000 in dwelling coverage. Wind, snow and flooding can cause significant property damage in Connecticut. In Connecticut, homeowners insurance costs $1,216 per year, on average, for $250,000 in dwelling coverage. Whether renewing your current policy or searching for home insurance for the first time, the task can be daunting with many carriers available. To help you find Connecticut home insurance from the best companies in the state, Bankrate compared dozens of carriers offering home insurance coverage in Connecticut to make your search easier. We found USAA, Amica, Farmers and Travelers among the best Connecticut homeowners insurance companies. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage

Leaving so soon Your custom quotes are just minutes away

Return to form Key Takeaways The best Connecticut homeowners insurance companies are USAA, Amica, Farmers and Travelers, according to our research. Connecticut homeowners pay an average of $1,216 per year for $250,000 in dwelling coverage. Wind, snow and flooding can cause significant property damage in Connecticut. In Connecticut, homeowners insurance costs $1,216 per year, on average, for $250,000 in dwelling coverage. Whether renewing your current policy or searching for home insurance for the first time, the task can be daunting with many carriers available. To help you find Connecticut home insurance from the best companies in the state, Bankrate compared dozens of carriers offering home insurance coverage in Connecticut to make your search easier. We found USAA, Amica, Farmers and Travelers among the best Connecticut homeowners insurance companies. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage

Leaving so soon Your custom quotes are just minutes away

Return to form Key Takeaways The best Connecticut homeowners insurance companies are USAA, Amica, Farmers and Travelers, according to our research. Connecticut homeowners pay an average of $1,216 per year for $250,000 in dwelling coverage. Wind, snow and flooding can cause significant property damage in Connecticut. Compare rates and save on home insurance today! Get quotes Close X

How Bankrate chose the best home insurance companies in Connecticut

Bankrate uses several factors to determine the companies with the best homeowners insurance in Connecticut. We use Quadrant Information Services to gather updated rates for each company using a sample profile. Each is obtained on a 40-year-old married couple who are claims-free with a good credit history, comparing the same coverage limits and deductibles to get a true sense of the cost comparisons among Connecticut homeowners insurance companies. To further assist you when shopping for the best Connecticut homeowners insurance, we created the Bankrate Score. Scores are rated on a five-point scale and considers factors including the company's coverage offerings, financial strength, customer experience scores from third-party rating companies, affordability and mobile and online presence and capabilities.

Bankrate utilizes Quadrant Information Services to analyze 2022 current rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on 40-year-old male and female homeowners with a clean claim history, good credit and the following coverage limits: Coverage A, Dwelling: $150,000, $250,000, $350,000, $450,000, $750,000 Coverage B, Other Structures: $15,000, $25,000, $35,000, $45,000, $75,000 Coverage C, Personal Property: $75,000, $125,000, $175,000, $225,000, $375,000 Coverage D, Loss of Use: $30,000, $50,000, $70,000, $90,000, $150,000 Coverage E, Liability: $300,000, $300,000, $300,000, $300,000, $500,000 Coverage F, Medical Payments: $1,000 The homeowners also have a $1,000 deductible and a separate wind and hail deductible (if required).

These are sample rates and should be used for comparative purposes only. Your quotes will differ.

Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for homeowners to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best home insurance companies satisfy these priorities, third-party agency ratings from , , , , and Moody's had the most impact on the companies' Bankrate Scores. As price is a common consideration for homeowners, we analyzed quoted premiums based on 40-year-old male and female homeowners with a home policy with $250,000 in dwelling coverage. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which homeowners may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer's online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Best home insurance in companies in Connecticut

The average annual cost of Connecticut home insurance is $1,216 per year for $250k in dwelling coverage. USAA, Amica and Farmers are our top three Connecticut insurance carriers, based on our research. When researching Connecticut home insurers, we first obtained average premium information from Quadrant Information Services. After analyzing the data, we also reviewed customer satisfaction scores from the , available coverage, as well as discount and policy features offered by each company. To help you find the best Connecticut homeowners insurance for your needs, you may want to consider quotes from the following companies: Insurance company J.D. Power AM Best Average monthly premium Average annual premium Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 884 /1,000 AM Best A++ (Superior) Average monthly premium $70 Average annual premium $834 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 829 /1,000 AM Best A++ (Superior) Average monthly premium $85 Average annual premium $1,014 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 849 /1,000 AM Best A+ (Superior) Average monthly premium $98 Average annual premium $1,175 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 792 /1,000 AM Best A- (Excellent) Average monthly premium $116 Average annual premium $1,396 Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. J.D. Power 794 /1,000 AM Best A++ (Superior) Average monthly premium $147 Average annual premium $1,769 Powered by Coverage.com (NPN: 19966249) This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. *Average rates are for annual policies with $250,000 in dwelling coverage. **Not officially ranked with J.D. Power due to eligibility restrictions. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage Bankrate See more providers in Choose from insurers in Show More Mortgage

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Return to form Explore Bankrate's review J.D. Power: AM Best: ++ Avg. annual premium for 250k dwelling $ Company overview USAA offers Connecticut homeowners the on average among the carriers we studied, but is only available to active service members, veterans and their immediate family members. For those that qualify, USAA offers basic home insurance coverage types, with the option to add coverage for home sharing and . Active duty and deployed military members also get automatic coverage for uniforms and equipment, and policyholders get replacement cost on contents in many cases. Although USAA only offers a few potential discounts, its affordable average rates make up for it, as does its stellar customer service reputation. Pros and cons CheckmarkPros Low average rates compared to competitors we studied Consistently high J.D. Power customer satisfaction ratings Close XCons Strict eligibility requirements Only available online or over the phone for policy and claims management Average annual premium by city Connecticut city USAA average annual premium for $250K dwelling Bridgeport $951 Hartford $822 New Haven $934 Stamford $877 Waterbury $793 Explore Bankrate's review Explore Bankrate's review J.D. Power: AM Best: ++ Avg. annual premium for 250k dwelling $ Company overview State Farm is the in the U.S. by market share, so you may not be surprised to find it on our list of best homeowners insurance in Connecticut. With more than , State Farm could be an excellent choice for homeowners who prefer to do business in person. It's important to note, though, that State Farm also scored second in the , making the company a contender for tech-savvy customers. State Farm does have a with the National Association of Insurance Commissioners (NAIC), so homeowners who prize top-notch customer service may want to do more research before making their decision. Pros and cons CheckmarkPros Plenty of local offices available Highly-rated mobile app and online customer portal for policy management Close XCons Higher-than-average NAIC complaints May have fewer potential discounts than competitors Average annual premium by city Connecticut city State Farm average annual premium for $250K dwelling Bridgeport $914 Hartford $965 New Haven $1,088 Stamford $880 Waterbury $1,080 Explore Bankrate's review Explore Bankrate's review J.D. Power: AM Best: + Avg. annual premium for 250k dwelling $ Company overview Amica received the highest official J.D. Power score of the Connecticut home insurers Bankrate reviewed, which may not be surprising given the company's reputation for excellent customer service. It also has average homeowners rates below the Connecticut average. Amica offers several optional coverage types and potential discounts that may help you customize your policy. The company's most unique feature, though, is its , which may pay you back up to 20 percent of your annual policy premium. However, Amica scored below the segment average in the J.D. Power 2022 U.S. Insurance Digital Experience Study in both the service and sales categories. Shoppers who prefer hands-on policy management via mobile app or website may want to read online reviews to see if Amica is a good fit. Pros and cons CheckmarkPros High customer satisfaction scores with J.D. Power May earn dividends Close XCons Tech may be lacking functionality per J.D. Power scores Only one agency located in Connecticut Average annual premium by city Connecticut city Amica average annual premium for $250K dwelling Bridgeport $1,579 Hartford $1,125 New Haven $1,566 Stamford $1,258 Waterbury $1,249 Explore Bankrate's review Explore Bankrate's review J.D. Power: AM Best: - Avg. annual premium for 250k dwelling $ Company overview Although Farmers' average homeowners insurance premium is higher than Connecticut's average premium, it may still be worth getting a quote, especially if you want to customize your insurance coverages to your specific needs. Farmers offers home insurance in three packages: standard, enhanced and premier. Within these packages, you can choose optional endorsements to tailor your policy to your needs. You may also be able to save if you are a non-smoker, by installing a home alarm system or bundling your home and auto coverage. Pros and cons CheckmarkPros Preset coverage packages with optional endorsements streamline policy customization Non-smokers may earn a discount Close XCons Average rates are higher than the Connecticut average Ranked second to last for overall customer satisfaction per J.D. Power Average annual premium by city Connecticut city Farmers average annual premium for $250K dwelling Bridgeport $1,545 Hartford $1,469 New Haven $1,798 Stamford $1,471 Waterbury $1,303 Explore Bankrate's review Explore Bankrate's review J.D. Power: AM Best: ++ Avg. annual premium for 250k dwelling $ Company overview Besides the standard coverages you would likely expect from a home insurance policy, Travelers offers several optional coverages, such as contents replacement cost, water backup, identity theft, green home coverage and special personal property. Travelers offers a few potential discounts, like multi-policy, home buyer, claims-free, protective devices and green home discounts. But Travelers is also the most expensive carrier on average on our Connecticut home insurance list, and it falls far below average for customer satisfaction in the J.D. Power Home Insurance Study. Pros and cons CheckmarkPros Unique potential discounts and coverage options for green homes Travelers' OpenHouse tool allows you to see past damage and repairs done to your home Close XCons Average rates are far above the Connecticut average Low J.D. Power customer satisfaction scores Average annual premium by city Connecticut city Travelers average annual premium for $250K dwelling Bridgeport $1,043 Hartford $1,668 New Haven $1,272 Stamford $1,054 Waterbury $1,103 Explore Bankrate's review This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers. Continue Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Quick Facts $382/year average savings through Bankrate 2 out of 3 homes are underinsured 1 out of every 20 insured homes makes a claim each year 100% of homes need insurance before getting a mortgage See more providers in Choose from insurers in Show More Mortgage

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How much is homeowners insurance in Connecticut

In Connecticut, the of homeowners insurance is $1,184 per year for $250,000 in dwelling coverage, which is less than the national average of $1,312 per year. Connecticut homeowners may pay less premium than the national average due to many properties having a reduced risk of being impacted by major hurricanes (Categories 3-5) that can leave devastating impacts on homes. Unlike other coastal states such as Florida and Mississippi, Connecticut homes are generally a bit safer from the impacts of hurricanes. However, homeowners insurance in Connecticut can still be expensive because of its location along the Atlantic coast. Homes in coastal areas may be more susceptible to damage from wind, rain and tropical systems, which can cause extensive damage. Additionally, Connecticut’s harsh winter climate could also increase the risk of cold-weather home damage, such as burst pipes from freezing temperatures or roof damage from heavy snow.

CONNECTICUT CITY AVERAGE ANNUAL PREMIUM FOR $250K DWELLING COVERAGE Bridgeport $1,361 Hartford $1,297 New Haven $1,541 $1,115 Waterbury $1,334

Home insurance in Connecticut

Connecticut homeowners may want to evaluate and consider their state’s unique features to better understand their property insurance coverage needs. The common causes of loss in Connecticut might inform what coverage you choose to purchase.

Common causes of property losses in Connecticut

It is possible that your Connecticut home could be damaged by weather, fire, theft or other situations, so having homeowners insurance can help to protect you from hefty out-of-pocket expenses to repair damages or replace lost items. Additionally, the coastal position of the state puts it at risk for flooding. Tropical Storm Henri made on August 22, 2021, causing flooding and leaving thousands without power. Specifically, Connecticut homeowners are at an increased risk of: Roof damage: Damage to the roof is a common cause of loss for homeowners in Connecticut due to the heavy snow and ice during the winter months. Wind damage: High winds from storms can cause damage to siding and roofs and can propel flying objects, tree limbs or entire trees into your house. Flooding: Flooding is a common cause of damage due to Connecticut’s location near the Atlantic Ocean. Identity theft: As our society becomes increasingly reliant on digital technology, the risk of identity theft increases for all consumers. When shopping for homeowners insurance, you may want to talk to a company representative or local agent to discuss the common causes of loss in your area. Understanding what is most likely to cause damage may help you choose appropriate coverages.

Home insurance coverage options in Connecticut

If you are buying home insurance in Connecticut, there are a few types of coverage that you may want to consider, on top of the standard coverage types, like dwelling coverage and personal liability: Flood insurance: Damage caused by flooding is not covered by homeowners insurance, so you may want to consider purchasing a separate from FEMA's National Flood Insurance Program or a private insurer. Some insurers offer endorsements as well to your standard homeowners policy. You can use to determine if your home is located in a high-risk flood zone, but be aware that flooding can happen anywhere, as 90% of U.S. natural disasters include flooding, according to the Insurance Information Institute. Identity theft coverage: This optional coverage helps to pay for the costs associated with restoring your identity if it is stolen. Insurers usually offer professional guidance for how to handle as well. Roof replacement cost: The availability of this option will vary by insurer and will depend on how old your roof is. If your roof qualifies, this coverage pays out the actual cost of repairs or replacement if your roof is damaged, rather than having depreciation taken out of your settlement. Every company offers different optional coverage, so talking with an agent may be helpful when choosing endorsements.

Frequently asked questions

Finding the in Connecticut starts with figuring out what is most important to you as an insured. It may be the cost, available coverages, how many discounts you can qualify for, or company features, such as mobile and online accessibility, financial strength or customer satisfaction scores. Once you figure out your preferences, shop around for multiple quotes from different companies with the right attributes to find the one with the best price. Our findings for the best Connecticut homeowners insurance companies are Amica, Farmers, Travelers and USAA.

The in Connecticut will be different for every policyholder. Your annual premium is based on a number of factors, including the age of your home, the size of the structure and property, geographic location, building materials used, your claims history and the coverage you choose. Getting quotes from multiple companies may help you find the coverage you are looking for at a lower price.

The situations covered by your policy depend on what you have. Numerous homeowners insurance policy forms exist, although an HO-3 is the standard policy most insurers write. You may also customize your policy with additional coverage through endorsements or floaters. Reviewing your policy with your agent is generally the best way to understand your specific coverage. Your policy also includes a declarations page highlighting coverage and limits, deductibles and the claims-filing process. Written by Mandy Sleight Insurance Contributor Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products. Maggie Kempken is an insurance editor for Bankrate. She helps manage the creation of insurance content that meets the highest quality standards for accuracy and clarity to help Bankrate readers navigate complex information about home, auto and life insurance. She also focuses on ensuring that Bankrate’s insurance content represents and adheres to the Bankrate brand. Mark Friedlander is director of corporate communications at III, a nonprofit organization focused on providing consumers with a better understanding of insurance.