Image of several buildings in front of a body of water, with a few boats floating by wooden docks

Home Insurance in Connecticut

Living in Connecticut means experiencing warm, sunny summers, stunning fall foliage, and freezing winter temperatures. However, with each season comes the risk of property damage – from heavy rain to snow and ice.

Whether you dwell near the city or the woods, homeowners insurance could help protect your home and belongings from unexpected damage. Believe it or not, the right coverage ensures you're financially prepared for whatever the seasons bring. 

This article will explore everything you need to know about homeowners insurance in Connecticut, including how much it costs, actionable ways to lower the premium, and more.

What is the average cost of home insurance in CT?

Illustration of three houses with green doors and smoke coming out of the chimney of one

The cost of homeowners insurance in Connecticut depends on several factors, including your location, property value, and coverage level. On average, homeowners in Connecticut pay $1,870 per year for insurance.

Below is a table that demonstrates the average cost of homeowners insurance in CT over the past five years. Keep in mind that these figures represent state-level data, not city-specific rates.

While state averages provide a general idea, home insurance costs could vary significantly by city. Factors like population density, property values, and local weather risks all play a role in determining your premium.


Year

Average Annual Premium

2025

$1,870

2024

$1,729

2023

$1,738

2022

$1,614

2021

$1,651

** Data gathered from QuoteWizard, Nerd Wallet, Insurance Information Institute and GetHomeInsuranceQuotes.com.

What factors influence my home insurance rate?

The homeowners insurance cost in CT varies based on multiple factors that determine the risk level associated with insuring a property. 

Here are some of the common factors that influence the rates of your home insurance in CT:

  • Geographic location: Where you live greatly affects your insurance costs. Construction costs, local building codes, weather risks, crime rates, and how close you are to a fire station all matter. For example, if your property damage has high rates of vandalism or theft, you might pay more than someone in a lower-crime area.
  • Home age and condition: Older homes often have higher premiums because aging roofs, plumbing, HVAC systems, and furnaces are more likely to need repairs or replacements.
  • Credit score: Generally, an insurance company considers your credit score when determining the level of risk. A high credit score suggests financial responsibility, meaning you're more likely to make timely premium payments and keep up with home maintenance.
  • Endorsements: Adding extra coverage, such as flood or equipment breakdown insurance, increases your premium costs.
  • Deductible: The amount you choose for your deductible affects your premium. Generally, higher deductibles result in lower premiums, but you’ll pay more out of pocket if you file a claim.
  • Claims history: If you’ve gone several years (up to five years) without filing a claim, insurers might reward you with lower rates. However, multiple claims within a short time frame could lead to higher premiums.

Common insurance discounts in Connecticut

Homeowners insurance in Connecticut could be expensive; however, there are ways to lower your premium. Many insurance carriers – including many reputable home insurance companies in CT – offer discounts that could make coverage more affordable. 

Here are a few common insurance discounts you’ll find in Connecticut: 

  • Multi-policy discount: Bundling your home and auto insurance (or home and renters insurance) with the same provider could lead to significant savings. Many insurers offer discounts of up to 25% when you bundle multiple policies. This is one of the easiest ways to get affordable homeowners insurance in Connecticut, as it reduces your premium and keeps all your insurance needs under one roof.
  • Loyalty discount: If you have been with the same insurance company for multiple years, you might qualify for a loyalty discount. The longer you stay, the bigger the potential savings. However, loyalty doesn’t always guarantee a competitive rate. It's smart to compare home insurance quotes in CT each year to get the ideal deal.
  • Claim-free discount: If you haven't filed a claim in three to five years, you could qualify for a claim-free (or loss-free) discount. Insurers generally reward homeowners who don’t submit claims, as they are considered lower risk.
  • New home discount: Newer homes are built with modern materials and updated safety codes, reducing the chances of costly damage. Many insurance companies offer discounts for homes built in the last 10 years. This is sometimes called a "newer home discount" or "new construction discount."
  • Smart-home discount: Invest in smart-home technology, as it could also help you save. Devices such as video doorbells, motion sensors, and smart locks might make your home more secure, reducing the likelihood of theft or damage and reducing your insurance premiums.
  • Roof discount: If your roof is made of durable, fire-resistant materials or has been recently replaced, you might qualify for a discount. Many CT home insurance companies see newer, stronger roofs as a lower risk for damage, which means they might charge you less.

Tips for lowering home insurance rates

Homeowners insurance in CT helps protect your home from unexpected damage, theft, and other risks. 

While it might seem like an added expense, the right coverage could save you from financial hardship. 

Nevertheless, there are a few workarounds you could employ to lower your insurance costs without sacrificing coverage. 

Here’s how:

  • Shop around every few years: Rates change, and comparing quotes from multiple Connecticut insurers can reveal savings—though your current carrier may still come out ahead once discounts are factored in. 
  • Bundle home and auto policies: If you need home and auto insurance, consider getting them from the same provider. Many home insurance companies in Connecticut provide multi-policy discounts, which could help you save on your CT homeowners insurance. 
  • Raise your deductible: Your home insurance deductible is the amount you pay out of pocket before your coverage kicks in. If you raise your deductible, you could significantly reduce your monthly premium. Have an emergency fund to afford the higher deductible if you ever need to file a claim.
  • Improve your home security: Upgrading your home security is a smart way to reduce insurance costs. Install a security system, smart locks, or smoke detectors, as they could help you qualify for discounts. 
  • Take advantage of discounts: There are plenty of ways to qualify for affordable homeowners insurance in CT – you just have to ask. You might be eligible for discounts if you have a new home, haven’t filed recent claims, or opt for paperless billing. Check your insurer’s website or reach out directly to see what savings you could get.

What does Connecticut home insurance cover?

Homeowners insurance in Connecticut provides financial protection for your home and belongings. It helps cover damage caused by disasters, theft, and accidents. 

Most standard CT home insurance policies include four main types of coverage: dwelling coverage, personal property protection, liability protection, and loss of use coverage

If you own a home in the Constitution State, it's important to understand how Connecticut homeowners insurance works and what it covers. 

Here’s what the standard insurance policy in Connecticut includes:

  • Dwelling coverage: Dwelling coverage helps repair or rebuild your house if it's damaged by disasters such as fire, hurricanes, hail, or lightning. It also typically covers detached structures like garages, sheds, or gazebos, which are usually up to 10% of your home’s insured value. However, standard house insurance in CT doesn’t cover damage from floods, earthquakes, or regular wear and tear. If you live in a flood-prone area, you might need separate flood insurance. When you buy a policy, make sure the coverage is high enough to rebuild your home if disaster strikes.
  • Personal property coverage: Homeowners insurance doesn’t just protect your house; it also covers what’s inside. If your electronics are stolen or your furniture is damaged in a fire, personal property protection could help cover repair or replacement costs. You could also purchase additional coverage for high-value items such as jewelry, watches, and furs if they exceed your policy’s standard limits.
  • Liability protection: If someone who doesn’t live with you gets injured on your property, liability coverage could help. For example, if a guest trips over a broken step and gets hurt, this coverage may help pay for medical bills or legal expenses if you’re found responsible. You could also increase your liability coverage with an umbrella policy for extra protection. A local insurance agent could help you determine a suitable coverage for your needs.
  • Loss of use coverage: If your home becomes unlivable due to a covered loss, this coverage (also called additional living expenses) helps cover temporary housing costs. This may include hotel stays, meals, or other necessary expenses while your home is being repaired.
  • Medical payments coverage: This coverage could help pay medical bills if someone outside your household gets injured on your property. Unlike liability coverage, it doesn’t require you to be at fault for the claim to be paid.

Additional Connecticut insurance coverage options

When choosing homeowners insurance in CT, you might find that standard policies don’t cover every risk. That’s where add-ons, or endorsements, come in. These optional coverages provide extra protection for specific situations, giving you peace of mind in case of unexpected disasters.

Many home insurance companies in Connecticut offer the following add-ons:

  • Flood insurance: Your standard home insurance in Connecticut won’t cover flood damage. If you live in a flood-prone area, you might need a separate flood insurance policy. This coverage helps pay for repairs to your home and belongings after a flood. In some areas, it might even be required.
  • Earthquake insurance: Earthquake coverage protects your home from damage caused by seismic activity. Like flood insurance, it has its own deductible and must be purchased separately from your home insurance in CT.
  • Replacement cost: Over time, the cost to rebuild a home could rise due to inflation or increased construction costs. Replacement cost coverage provides extra funds beyond your standard dwelling coverage to help rebuild your home after a total loss. This is especially useful if you've owned your home for a long time and are concerned about depreciation.
  • Water backup of sewer: A sewer or drain backup could cause serious damage to your home. This add-on helps cover the cost of repairs if water backs up into your home due to clogged pipes, sump pump failures, or drainage issues.
  • Personal umbrella liability insurance: If a serious accident occurs on your property, your liability coverage could max out quickly. Personal umbrella insurance provides additional protection beyond the limits of your main CT homeowners insurance policy. This could help cover legal expenses, medical bills, and property damage claims.
  • Equipment breakdown coverage: This coverage helps cover the cost of repairing or replacing major home systems like HVAC, electrical, and appliances due to mechanical failure – not due to normal wear and tear.
  • Identity theft coverage: This coverage provides alerts for identity theft risks and helps restore your credit if your personal information is compromised.

Connecticut is susceptible to various natural disasters, including flooding from coastal inundation and river overflows. The state has experienced severe flooding events in recent years. 

Given the state’s unique climate and environmental factors, homeowners are advised to consider:

  • Flood insurance: Even if you're not in a designated flood zone, recent weather patterns suggest that all homeowners should consider this coverage.
  • Windstorm coverage: If you dwell in a location prone to strong winds or hail, some insurers might require separate windstorm insurance to cover storm-related damage.
  • Replacement cost coverage: This coverage gives the full cost to replace damaged property without depreciation deductions.

Insuring your home in Connecticut

There are numerous home insurance companies in CT. The process to insure your home in Connecticut typically involves: 

  • Assess your coverage needs: Determine the value of your home and belongings to decide on appropriate coverage limits.
  • Obtain multiple quotes: Compare premiums from various insurance companies to find a suitable homeowners insurance in Connecticut.
  • Consult an insurance agent: An agent could provide personalized advice and help tailor a policy to your specific needs.
  • Review policy details: Understand the terms, conditions, exclusions, and endorsements of your policy.
  • Finalize and purchase: Once satisfied, finalize your policy and make the necessary payments to keep it active.

Is Connecticut homeowners insurance required by law?

Connecticut law doesn’t mandate homeowners insurance. However, if you have a mortgage, your lender might require you to maintain a home insurance policy to protect their investment. 

Even if you own your home outright, securing coverage is a smart move to safeguard your personal property, structures, and belongings from unexpected events such as fire, theft, or weather damage.

Looking for homeowners insurance in a different state?

Considering home insurance outside Connecticut? Here’s a helpful interactive map that allows you to explore coverage options by state. Click on your state of interest to find tailored information on costs, policies, and recommended coverage options.


What does home insurance in Connecticut cover?

Home insurance in Connecticut will financially protect your home’s structure, contents, personal liability and any additional structures on your property from damage due to a covered peril. This means if a fire starts in your game room, damaging the walls and your Hartford Wolf Pack jerseys, you’ll be covered to replace both.

The term "covered peril" is key here, as not every policy will provide coverage for the same things. Generally, you can expect to be covered for events like fire, theft, hail and the weight of falling objects. But if you want protection from things like hurricanes, flooding or earthquakes (a good idea in a coastal state like Connecticut that also sits on a fault line), you’ll need to add insurance riders to your policy.

Still have questions?

Want to learn more about homeowners insurance in Connecticut? Here are some frequently asked questions to guide you.

Why is homeowners insurance so expensive in CT?

Homeowners insurance in CT is costly due to high property values, coastal storm risks, and local insurance regulations.

Who has affordable homeowners insurance in Connecticut?

Several well‑priced homeowners‑insurance options are available in Connecticut—from carriers like State Farm, Allstate, and Travelers. Ultimately, the rate you receive will hinge on your home’s features and any discounts you may qualify for.

Is Connecticut the insurance capital of the world?

Yes, Hartford, Connecticut, is often called the "insurance capital of the world" due to the large number of major insurance companies headquartered there.

How much is homeowners insurance in New Haven, CT?

The average homeowners insurance in New Haven, CT, is around $2,065 per year, slightly higher than the state average due to coastal exposure.

**Data gathered from Nerd Wallet. 

How much is Connecticut condo insurance?

Condo insurance in Connecticut typically costs $540 per year, depending on the coverage level and location. Since condo owners don’t need dwelling coverage for the building structure, their policies are usually cheaper than standard homeowners insurance.

**Data gathered from Nerd Wallet.

You Deserve Smarter Home Insurance

Quote in 60 Seconds
Hippo

Social Media

Get the App

app QR codeScan me

© 2025 Hippo Holdings Inc.

Hippo Insurance Services (“Hippo”) is a general agent for affiliated and non-affiliated insurance companies. Hippo is licensed as a property casualty insurance agency in all states in which products are offered. Availability and qualification for coverage, terms, rates, and discounts may vary by jurisdiction. Any estimated premium savings are based on the application of discounts which are subject to availability and qualification. Smart home discounts are subject to additional qualification, conditions, and restrictions. We do not in any way imply that the materials on the site or products are available in jurisdictions in which we are not licensed to do business or that we are soliciting business in any such jurisdiction. Coverage under your insurance policy is subject to the terms and conditions of that policy. Coverage and coverage amounts selected are the decision of the buyer. California License #: 0K96532.

Installing and activating the sensor kit will result in your being a customer of a third party that is not affiliated with Hippo. Hippo is not responsible for any acts, errors, or omissions of such third-party or the operation or effectiveness of the sensor kits provided, or any loss or damage of any kind that you may suffer as a result of your installation and use of the sensor kit or engagement with such third party. We encourage you to review the terms of use, privacy notice and any additional notices provided by the third party prior to installing and activating the sensor kit. The terms of your engagement with the third party are solely between you and such third party.