Not sure which homeowners insurance company is right for you? Well, we've got you covered. Our Connecticut homeowners insurance guide will help get started on your search.
The average rate for homeowners insurance in Connecticut is $1,961 a year. Although, rates vary depending on the insurance company you choose and other factors.
Travelers is the best homeowners insurance company in Connecticut, based on Insurance.com's analysis. J.D. Power awarded it 800 scores out of 1000 and AM Best rated it A++, which is the highest rating they provide. Whereas Nationwide earned 812 scores out of 1000 from J.D Power and AM Best awarded it 'A+' rating.
Read on to know more about the best and cheapest homeowners insurance companies, their overall rating, and average annual insurance cost.
- Best home insurance companies in Connecticut
- Compare best homeowners insurance companies in Connecticut
- Average cost of homeowners insurance in Connecticut
- 10 Most expensive zip codes in Connecticut for homeowners insurance
- 10 Least expensive zip codes in Connecticut for homeowners insurance
- Cheap homeowners insurance in Connecticut
- Home and auto bundle discounts in Connecticut
Best home insurance companies in Connecticut
If you're looking for the best homeowners insurance company in Connecticut, we've got you covered. We've compiled a list of some of the top-rated insurers in the state and compared their rates, their customer satisfaction rating, J.D. Power score, claims handling and AM Best rating to help make your decision easier. Here is the list of best home insurance companies in Connecticut:
- Travelers
- Nationwide
- Hartford
- Chubb
- Safeco
Compare best homeowners insurance companies in Connecticut
One of the easiest ways to find the best homeowners insurance is by looking at all the options available and comparing them side by side. If you're looking for the most affordable insurance company for Connecticut homeowners, then look no further. Compare top Connecticut home insurance companies using the overall score and ratings from J.D. Power and AM Best.
Below is a list of the best insurance companies for Connecticut homeowners-
| Company | Overall rating | J.D. Power score | AM Best rating |
|---|---|---|---|
| Travelers | 5 | 800 | A++ |
| Nationwide | 4 | 812 | A+ |
| Hartford | 4 | 798 | A+ |
| Chubb | 3 | 801 | A++ |
| Safeco | 2 | 810 | A |
Average cost of homeowners insurance in Connecticut
The average cost of Connecticut homeowners insurance is $1,961 a year or $163 a month. It's $344 less than the national average ($2,305).
Many factors affect your home insurance rates, including the risk posed by weather conditions in your state. They can cause severe damage to your property, thereby leading to higher insurance rates.
Make sure you compare rates and insurance coverage options before you choose one of the many homeowners insurance companies. Home insurance policies offer basic coverage; it includes dwelling coverage, personal property coverage, and additional living expenses.
| Average annual premium | Average monthly premium |
|---|---|
| $1,961 | $163 |
10 Most expensive zip codes in Connecticut for homeowners insurance
A home insurance company takes into account factors like your ZIP code, the age of your home, building cost in your area, and others to determine your average homeowners insurance premium.
For some ZIP codes, the rates are higher than others based on the local crime rates and building costs in your area, among other factors. The most expensive zip code in Connecticut is 6385, with an average annual rate of $2,461.
We have gathered insurance rates from major homeowners insurance providers across all the ZIP codes and compiled a list of the ten most expensive ZIP codes for Connecticut homeowners.
| ZIP code | Average annual rate |
|---|---|
| 6385 | $2,461 |
| 6357 | $2,452 |
| 6378 | $2,364 |
| 6340 | $2,312 |
| 6320 | $1,946 |
| 6376 | $1,901 |
| 6615 | $1,874 |
| 6379 | $1,870 |
| 6333 | $1,846 |
| 6498 | $1,839 |
10 Least expensive zip codes in Connecticut for homeowners insurance
Homeowners insurance rates are driven by many factors, and one of them is the ZIP code. Insurance companies consider your ZIP code when deciding on your home insurance premium.
The least expensive ZIP code for homeowners insurance in Connecticut is 6059. Its average rate for home insurance is $1,247 a year - $714 less than the state average (1,961).
Below is a list of the least expensive ZIP codes for home insurance in Connecticut.
| ZIP code | Average annual rate |
|---|---|
| 6059 | $1,247 |
| 6790 | $1,248 |
| 6020 | $1,249 |
| 6021 | $1,254 |
| 6065 | $1,260 |
| 6090 | $1,264 |
| 6019 | $1,265 |
| 6057 | $1,266 |
| 6082 | $1,267 |
| 6098 | $1,269 |
Cheap homeowners insurance in Connecticut
Allstate offers the cheapest home insurance rates for Connecticut homeowners, based on Insurance.com's rate analysis. Its average homeowners insurance cost is $1,617 a year--- $344 less than the state average ($1,961).
It's a good idea to shop around if you want the most affordable homeowners insurance because prices vary by hundreds of dollars. But the cheapest is not always the best deal. You might end up paying too much if you avoid comparing quotes.
Get at least three price quotes to save on your yearly insurance cost, suggests Penny Gusner, the former Senior Consumer Analyst at Insurance.com.
Below is a list of the cheapest home insurance companies in Connecticut and their average annual premium.
| Company name | Average annual premium |
|---|---|
| Allstate | $1,617 |
| Truck Insurance | $1,633 |
| Amica | $1,813 |
| USAA | $1,868 |
| Homesite | $2,105 |
| State Farm | $2,171 |
| Travelers | $2,553 |
| Liberty | $3,148 |
| Safeco | $3,600 |
Home and auto bundle discounts in Connecticut
Most insurance companies offer a discount on bundling your home and auto insurance policies. You can save an average of $307 or 18%, based on a rate analysis by Insurance.com. But the discount and saving percentage may vary depending on your insurance company.
You can save up to $531 or 30%, a year if you bundle your auto and home insurance policies from Allstate.
Below is a list of major carriers that offer a discount on bundling home and car insurance policies. Also, know how much a home and auto bundle can help you save on insurance in Connecticut.
| Company | $ Bundle average saving | % Bundle average saving |
|---|---|---|
| Allstate | $531 | 30% |
| State Farm | $458 | 33% |
| Truck Ins Exch | $436 | 20% |
| Metropolitan | $422 | 27% |
| Amica | $333 | 20% |
| Vigilant | $331 | 15% |
| Great Northern | $331 | 15% |
| American Commerce Insurance | $234 | 16% |
| Travelers | $184 | 10% |
| Integon | $165 | 9% |
| Century | $132 | 10% |
| USAA | $132 | 9% |