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Condo insurance isn’t required by law in Connecticut, but your mortgage company likely requires it. Condo insurance is a home insurance policy that covers everything inside your condo, while the homeowners association’s insurance covers the outside of your building and common areas.

Depending on your HOA’s rules, your condo insurance may cover not only personal property, but also provides dwelling coverage known as building property coverage, for the interior of the structure. Make sure you know how much condo insurance you need before you buy condo insurance.

To find the best condo insurance in Connecticut, we’ve gathered data on the top companies. Below you’ll find a list of the best condo insurance companies in Connecticut with average annual rates.

Key takeaways

  • The residents of Connecticut pay an average of $626 per year for condo insurance for a coverage level of $60,000 for personal property, $300,000 for liability protection with a $1,000 deductible.
  • Based on the analysis by, USAA is the top pick for the best condo insurance company in Connecticut.
  • Allstate offers the cheapest condo insurance in Connecticut at an average of $434 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 ratings of major insurers in Connecticut. Below are the best condo insurance companies in Connecticut based on’s analysis.

CompanyJ.D. Power ScoreAM Best RatingAverage rating (out of 5)
State Farm829A++
Amica Mutual849A+
Chubb Ltd809A++
American Family842A

Average cost of condo insurance in Connecticut

The average cost of condo insurance in Connecticut is $626 a year or $52 a month with $1,000 as deductible, $60,000 in personal property coverage, and liability coverage of $300,000. Your average annual premium will vary depending on your location, the coverage limits you select, and the deductible amount among other factors.

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


Average condo insurance rates in CONNECTICUT

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



Most & least expensive zip codes for condo insurance in Connecticut

Most Expensive

Zip CodeCityHighest Rate
06519New Haven$976
06510New Haven$964
06513East Haven$953
06511New Haven$949

Least Expensive

Zip CodeCityLowest Rate
06024East Canaan$686

Condo insurance rates by company in Connecticut

Rates for condo insurance by company in Connecticut vary. It’s important to shop around and compare quotes to find the best price. 

In the table given below, you’ll see condo insurance rates for major companies in Connecticut. The cheapest company for condo insurance in Connecticut is Allstate. Chubb Ltd, and State Farm, are the second and third cheapest options.

CompanyAverage Annual Rate
Chubb Ltd$436
State Farm$440
National General Insurance$544
Amica Mutual$548
American Family$642

Methodology compared condo insurance rates provided by Quadrant Data Solutions in 2022 for $60,000 of personal property coverage with a $1,000 deductible and $300,000 of liability coverage for all available ZIP codes and with a good credit score. The content was updated in 2023.

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