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If you live in a condo, then it is important for you to purchase condo insurance to protect your investment. Some homeowners associations offer insurance, but it is not always the best option. It's better to have your own policy and make sure you are fully protected in case anything happens.

Homeowners association's insurance covers the outside of your building and common areas. But HOA's policy doesn't cover what's inside your condo- like furniture or other personal belongings.

If you are looking for the best condo insurance in Connecticut, then this guide is for you. You'll find the list of best condo insurance companies for Connecticut condo owners and their average annual rates. You can use this guide to make informed insurance decisions.

KEY TAKEAWAYS
  • Condo owners in Connecticut pay an average of $667 per year or $56 per month in condo(HO6) insurance.
  • Allstate is the cheapest condo insurance company in Connecticut at only $336 per year.

Best condo insurance companies in Connecticut

In Connecticut, you have a lot of options when it comes to finding the best condo insurance company. To make your task easier, our insurance experts have analyzed premiums, coverage offerings, J.D Power score and customer satisfaction rating of all the major insurers across Connecticut. Below are the best condo insurance companies in Connecticut based on Insurance.com's analysis.

  • USAA
  • Amica
  • State Farm
  • Allstate
  • Safeco

Compare best condo insurance companies in Connecticut

We have compared the insurance providers based on their J.D. Power score and ratings from AM Best to help you find affordable condo insurance in Connecticut. Based on the analysis by Insurance.com, USAA tops the list of best condo insurance companies in Connecticut. It has earned 882 scores out of 1000 from J.D. Power and an A++ rating from AM Best, which is the highest ratings they offer. Although, USAA offers condo insurance only for members of the military and their families.

Amica is another option after USAA for condo insurance, it received 854 scores from J.D. Power. Here is a comparison of some of the best condo insurance companies in Connecticut:

CompanyJ.D. Power scoreAM Best rating
USAA882A++
Amica854-
State Farm835A++
Allstate829A+
Safeco810A
Liberty Mutual806A
Travelers800A++
Homesite779-

Average cost of condo insurance in Connecticut

The average cost of condo homeowners insurance in Connecticut is $667 a year or $56 a month with $1,000 as deductible, $40,000 as personal property coverage, and liability coverage of $100,000. Your average annual premium will vary depending on your location, the coverage limits you select, and deductible amount among other factors.

Condo insurance covers the interior of the unit, it provides protection against the damage caused by fire, theft, vandalism, natural disasters, and frozen pipes.

To find the most affordable policy for your situation, compare quotes from multiple providers based on the coverage you need.

Average annual premiumAverage monthly premium
$667$56

CONDO INSURANCE CALCULATOR

Average condo insurance rates in CONNECTICUT

$60,000
$1,000
$100,000
6105 - Hartford
Personal Property Coverage $60,000, Deductible $1,000 and Liability $100,000.

AVERAGE RATE: $803

HIGHEST RATE: $2,148 LOWEST RATE: $342

Most & least expensive zip codes for condo insurance in Connecticut

Most Expensive

Zip CodeCityHighest Rate
06491Stevenson$1,022
06388West Mystic$1,018
06439Hadlyme$1,014
06829Georgetown$1,011

Least Expensive

Zip CodeCityLowest Rate
06076Stafford Springs$676
06250Mansfield Center$681
06268Storrs$681
06277Thompson$682

Condo insurance rates by companies in Connecticut

The rates for condo insurance by companies in Connecticut vary greatly. It is important to shop around and compare quotes to find affordable premiums. To find the best insurance company in Connecticut, you should consider price, coverage options, financial stability, and customer satisfaction.

In the table given below, you'll see that major companies in Connecticut have different insurance rates for condo insurance, and Allstate, State Farm, and USAA are the cheapest condo insurance companies for Connecticut residents.

CompanyAverage annual premium
Allstate$336
State Farm$466
USAA$485
Amica$567
Travelers$588
Liberty Mutual$684
Truck Ins Exch$730
Homesite$747
Safeco$1,250

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