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In this article: Best Homeowners Insurance Providers | Factors That Affect Cost | Common Causes of Claims | Conclusion | FAQs | Methodology
Whether you call Stamford, Hartford or another Connecticut city home, a homeowners insurance policy can play an important role in protecting your home and your loved ones. In addition to satisfying your bank’s mortgage requirements, home insurance can pay to repair or replace your home and personal belongings and protect you from liability.
We at the Home Media reviews team have analyzed the best homeowners insurance companies in Connecticut, evaluating them on coverage quality, price, discounts and customer service. Read our guide to quickly compare the top home insurance companies in Connecticut.
Based on our extensive research, the following are Connecticut’s best homeowners insurance providers:
According to the Insurance Information Institute ( III ), the average cost of homeowners insurance in Connecticut is $1,494 , which is nearly 20% higher than the national average of $1,249.
Homeowners insurance rates vary based on location, your home’s square footage and other factors. Use our free tool below to get a personalized quote.
A newcomer compared to the other companies in this review, Lemonade is a growing provider of auto, home, renters, life and pet insurance .
Though Lemonade was not featured in the J.D. Power individual home insurance customer survey and has a lower Better Business Bureau* (BBB) rating than other companies in this review, it has a higher BBB review average than most competitors and typically responds to customer complaints quickly.
Our analysis of customer reviews suggests Lemonade has the quickest claims process, on average. The company even states that it aims to settle simple claims instantly through its artificial intelligence (AI) platform.
While Lemonade has been accused of collecting biometric data in a recent class-action lawsuit , we still recommend it as a responsible insurer committed to customer service, philanthropy and quality coverage.
Lemonade also provides shoppers and policyholders with a straightforward FAQ page on its website covering the basics of coverage and claims. It also offers a variety of policy endorsements and discounts, showing you which add-ons and savings you are eligible for during the quoting process.
*All BBB ratings accurate as of April 2022 **All J.D. Power scores accurate as of April 2022
+ Offers more competitive rates than many providers for a homeowners policy + Has near-instant payouts for some basic claims with its mobile app + Donates excess premiums to charities at the end of each year
– Does not provide flood coverage, which could be important for many Connecticut homeowners – Does not have local agents, while many of its competitors do
Discounts: Lemonade offers discounts for security devices, water-leak detection systems, wind protection, fire alarms and sprinklers.
Endorsements: Lemonade has the following additional coverages: earthquake, appliance breakdown, ordinance/law coverage, water backup, musical instruments, bikes, jewelry, fine art and cameras.
Get your custom home insurance quote from Lemonade .
To learn more: Lemonade home insurance review
With strong performance across several of our review standards, Allstate is a great overall provider for homeowners in Connecticut. It carries an A+ financial strength rating from AM Best and the highest J.D. Power score for overall customer satisfaction of any company in this article. Allstate offers 24/7 access to a long list of dedicated local agents, mobile support, an online claims center and a streamlined app.
Founded in 1931, Allstate is one of the nation’s largest insurance companies and offers several types of insurance products.
Allstate provides a wide range of coverages and endorsements to Connecticut residents, including yard and garden protection. It also offers a welcome and loyalty discount to new and continuing policyholders.
Allstate’s website can help you learn the fundamentals of homeowners insurance, take stock of your personal property and find out the top causes of claims in your area.
+ Has an extensive list of additional coverages that let you customize your policy to your unique needs + Provides extended coverage for roof repair, while many providers limit this protection + Offers a Claim Rateguard endorsement, which secures your rates regardless of whether or not you file a claim
– Provides limited customization of coverage amounts – Is less cost-competitive than some providers, such as Lemonade
Discounts: Allstate has a multi-policy discount, responsible payment discount, claim-free discount, welcome and loyalty discount, protective device discount, recent home buyer discount, Easy Pay Plan discount and an early signing discount.
Endorsements: Allstate provides several endorsements, including identity theft restoration, green improvement, water backup, home-sharing, manufactured and mobile homes, flood insurance, yard and garden, scheduled personal property, business property, electronic data recovery, musical instruments, athletic equipment and personal umbrella insurance.
Get your personalized home insurance quote from Allstate .
To learn more: Allstate home insurance review
American Family (AmFam) opened its doors in the 1920s and began selling home insurance products by 1958.
Solid BBB, AM Best and J.D. Power ratings suggest that AmFam is dedicated to creating an excellent customer experience and is highly likely to meet its financial obligations.
AmFam offers several helpful policy endorsements that let you tweak your coverage. It also has unique discounts, including a generational discount offered to policyholders ages 30 and younger whose parents have enrolled in an American Family policy.
AmFam stands out most for its impressive lineup of digital resources that streamline the comparison process. It provides fast and relatively easy quotes and does not ask you to enter your Social Security number to get a quote.
The American Family website also lists coverages and add-ons with a comprehensive coverage table.
+ Protects against equipment breakdown with a home systems and appliances endorsement, which most companies do not include + Provides a more thorough coverage comparison tool than other providers + Has a simpler quoting process than most companies, requiring minimal information
– Has a subpar customer satisfaction score in the J.D. Power customer satisfaction survey – Requires you to contact an agent directly to purchase a plan
Discounts: AmFam offers the following discounts: multi-policy, smart-home, security, insurance payment, loyalty, age of home, renovated home and generational.
Endorsements: AmFam’s additional coverages include equipment breakdown, identity theft, sump pump and water backup, credit monitoring, matching siding, diminishing deductible and hidden water damage.
Get your personalized home insurance quote from American Family .
To learn more: American Family home insurance review
Dating back to 1864, Travelers is older than all of the competitors in this review. With an A++ rating from AM Best and a feature in the J.D. Power individual homeowners insurance study, Travelers is regarded as a financially stable carrier with an overall positive customer experience.
Similar to Allstate, it gives policyholders 24/7 access to customer service and has local agents statewide.
Travelers stands out for its highly customizable deductibles. It offers nine deductibles, ranging from $1,000 to $50,000. This lets policyholders reduce premiums by paying higher out-of-pocket costs when they file a claim.
Travelers also offers a Decreasing Deductible incentive that drops your deductible by $100 when you renew your policy, regardless of whether or not you filed a claim in the last year.
+ Has the longest history of any company in this review + Doesn’t ask for your phone number or Social Security number to provide a quote + Lets you file claims 24/7, while some competitors are not open on the weekends
– Has a subpar customer satisfaction rating in the 2021 J.D. Power survey – Offers limited discounts compared to Allstate
Discounts: Travelers has a multi-policy, home buyer, loss-free, protective device and green-home discount.
Endorsements: Travelers has optional add-ons for special personal property, sump pump discharge or overflow, jewelry and valuable items, water backup, additional replacement cost protection, green home, identity fraud and valuable personal articles.
Get a personalized home insurance quote from Travelers .
To learn more: Travelers insurance review
While Liberty Mutual has a lower J.D. Power score than some providers in this review, its solid BBB rating and A rating from AM Best suggest it is likely to pay claims as promised and is committed to creating a strong customer experience.
Liberty Mutual offers a comprehensive suite of insurance products, with home, pet, umbrella, life and auto insurance . It’s our top choice for homeowners looking to save with discounts.
For example, Liberty Mutual reduces your rates if you insure at least 100% of your home’s value or buy a policy before your current one expires.
Liberty Mutual’s website is straightforward and helpful, but our secret-shopping process revealed that its quote process can be complicated. Fortunately, the company provides live online assistance if you’re having difficulty getting your quote.
+ Features live chat and the option to connect with a live agent by phone during the quote process + Offers a 10% discount when you buy your policy online + Provides inflation protection, which factors inflation rates into your cost and coverage amounts
– Has a subpar J.D. Power score for customer satisfaction compared to some competitors – Has a more complex quoting process than most providers in this review
Discounts: Liberty Mutual has the following discounts: claims-free, early shopper, newly purchased home, new/renovated home, safe homeowner, new roof, multi-policy, insured to value, preferred payment and paperless.
Endorsements: Liberty Mutual provides extra coverage for hurricanes, total replacement cost, fine jewelry, water backup and overflow and inflation protection.
Get your personalized home insurance quote from Liberty Mutual .
To learn more: Liberty Mutual insurance review
The factors below have the biggest impact on Connecticut homeowners insurance rates:
Here are some of the most common reasons Connecticut homeowners file claims:
Home insurance covers most of these issues; however, it usually excludes flood damage. You can find a flood insurance policy through the federal government’s National Flood Insurance Program (NFIP) if you’d like to purchase a flood insurance policy. Some home insurance companies, such as Allstate, can help you purchase an NFIP policy.
Lemonade is our top recommendation for Connecticut homeowners. It offers some of the most affordable coverage on the market and its online experience is hard to beat. Whether you’re comparing quotes or filing a claim, Lemonade makes the user experience simple.
However, all the providers in this review have a strong home insurance reputation and bring something unique to the table. We recommend you compare quotes from at least three providers to select the right provider for your homeowners policy. You can compare quotes quickly by entering your ZIP code here or calling 855-948-5219 .
According to data from the III , the average annual cost of homeowners insurance in Connecticut is $1,494. This is slightly higher than the national cost of homeowners insurance, which is around $1,249.
The state of Connecticut doesn’t require flood insurance, but your lender may require you to purchase a plan if you live in a high-risk flood zone area. Check out FEMA’s flood map service center to determine your home’s risk of flooding.
Homeowners insurance pays to repair or replace your home and belongings if they get damaged or destroyed, and it covers you if you’re liable for damage to someone else’s property. The four main areas of coverage are dwelling, other structures, liability and personal property.
Homeowners insurance rates are not based on your property value or your mortgage amount but on the cost of rebuilding your home. Based on Zillow’s home value index , the average property value of a home in Connecticut is $348,047. However, that figure also includes the land your home sits on, while homeowners insurance only looks at the replacement cost of your home.
Our team surveyed dozens of home insurance providers and created a scoring system to judge each company’s quality and service. We reach out for sample quotes, both over the phone and on the internet, to simulate an authentic customer experience. Here are the factors that account for our provider reviews:
Companies with the best customer service exhibit 24/7 availability, educational resources on their website, useful digital tools and a seamless claims-filing process. Providers that offer extensive discount options, endorsements, customizable coverage options and unique features score significantly higher than those that don’t, putting them toward the top of our recommendations to readers.
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