Updated: February 1, 2026
Advertising & Editorial Disclosure
Our 2026 research found the top three home insurance companies in Connecticut are Amica, USAA and Chubb.
Amica offers the highest-quality homeowners insurance in Connecticut with the lowest average annual premium at $1,077.
Flooding threats from coastal storm surges and heavy rainfall push Connecticut's insurance premiums higher statewide. Find quality coverage from an affordable insurer.
Amica is the best home insurance company for most Connecticut homeowners with affordable rates and strong customer experience. USAA earned the highest MoneyGeek score from our team but ranks No. 2 because coverage is available only to military members, veterans and their families. The top five companies earned high ratings in our affordability, customer experience and coverage categories:
| Amica | 4.79 | 1 | 2 | 6 |
| USAA | 4.96 | 3 | 1 | 1 |
| Chubb | 4.74 | 5 | 3 | 2 |
| State Farm | 4.55 | 6 | 4 | 4 |
| Farmers | 4.49 | 4 | 5 | 7 |
*Our ratings consider different combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your profile. The tables below follow the same methodology.
Average Annual Premium
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J.D. Power Customer Satisfaction Score
Average Annual Premium
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J.D. Power Customer Satisfaction Score
Average Annual Premium
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J.D. Power Customer Satisfaction Score
Average Annual Premium
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J.D. Power Customer Satisfaction Score
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J.D. Power Customer Satisfaction Score
Connecticut's coastal communities face different insurance challenges than inland regions, affecting both rates and provider performance across the state. We identified the top-scoring insurer for major Connecticut cities based on affordability, customer satisfaction and coverage options.
| Hartford | USAA | $960 |
| Somers | USAA | $975 |
| Stamford | USAA | $1,273 |
| Bridgeport | USAA | $1,456 |
| Guilford | USAA | $1,600 |
| Milford | USAA | $1,901 |
| New Haven | USAA | $1,424 |
| Waterbury | USAA | $1,030 |
Coverage levels create major differences in Connecticut home insurance costs, with $500,000 in dwelling protection running $3,757 versus just $1,339 for $100,000 coverage. The state averages $2,258 annually, but your credit score drives the biggest difference in what you'll actually pay. Poor credit pushes premiums to $3,816 yearly, while excellent credit brings costs down to around $1,248, showing how rates vary based on your personal and home profile.
Overall average | $2,258 | $188 |
$100,000 dwelling coverage | $1,339 | $112 |
$500,000 dwelling coverage | $3,757 | $313 |
Older homes (1980) | $3,789 | $316 |
Newer homes (2020) | $2,829 | $236 |
Homeowner age 20–40 | $4,022 | $335 |
Seniors 61+ | $4,053 | $338 |
Recent Claim | $4,723 | $394 |
Excellent Credit | $1,248 | $104 |
Poor Credit | $3,816 | $318 |
Compare home insurance rates in Connecticut by prioritizing coverage for the state's distinct threats like severe storms and flooding. Shopping smart means finding affordable policies that financially protect against hazards most common in the Constitution State.
Assess your home's replacement cost and Connecticut's natural disaster risks. Wildfire exposure threatens foothills communities, hail damage strikes along the Front Range, and flash floods occur near mountain drainage areas. Your coverage should reflect your home's value, personal property and liability needs while accounting for Connecticut's high rebuilding costs.
Connecticut home insurance averages $2,258 annually. Bundling home and auto policies saves 15% to 25% on premiums. Get discounts for monitored security systems, fire-resistant roofing and hail-resistant shingles. Impact-resistant windows and roof updates qualify you for more savings while reducing hail damage.
Review customer satisfaction scores and claims handling reputation before choosing an insurer. Look for Connecticut-specific coverage like wildfire coverage, water back-up from snowmelt and service line coverage for freeze-thaw damage. Extended replacement cost coverage pays full rebuilding costs even when they exceed policy limits due to material shortages or labor increases.
Inland flood coverage covers flash flood damage without a separate National Flood Insurance Program policy. Equipment breakdown coverage covers HVAC system failures in Connecticut's temperature extremes. Mountain vacation homes and short-term rental properties need specialized policies for their unique risks.
Compare quotes from at least three insurers; rates vary between providers. Shop through direct insurers, independent agents and online platforms. Request quotes with identical coverage limits and deductibles for accurate comparisons. Ask about discounts for fire-resistant materials and protective devices common in Connecticut homes.
Reassess your dwelling coverage annually to keep pace with rising construction costs and your home's replacement value. Review your policy each year and shop for new quotes, especially after home improvements. Connecticut's housing market fluctuations and increased coastal storm risk mean your coverage needs evolve.
Amica, USAA and Chubb lead Connecticut's home insurance market with strong financial ratings and comprehensive coverage options. Get quotes from these insurers and prioritize protection against the state's wildfire and flash flood risks while ensuring adequate rebuilding costs and liability coverage.
Common questions Connecticut homeowners ask when shopping for home insurance:
No, standard homeowners insurance policies exclude flood damage coverage. Floods are considered a separate peril that requires specialized flood insurance through the National Flood Insurance Program or private insurers. Even water damage from burst pipes differs from flood coverage, which specifically protects against rising water from storms, overflowing rivers, or heavy rainfall.
Your dwelling coverage needs to match the full cost to rebuild your home, not its market value. Take inventory of your belongings to determine adequate personal property coverage amounts. Consider getting a professional appraisal or using construction cost calculators to establish accurate rebuild estimates for your specific property.
Flooding drives up Connecticut home insurance rates as insurers face increased claims costs and reassess risk in vulnerable areas. Coastal communities and properties near rivers experience the most significant rate impacts. Installing flood-resistant materials, elevating utilities, and implementing proper drainage systems can qualify homeowners for discounts while reducing potential damage and long-term premium costs.
Replacement cost coverage pays the full amount to replace your damaged belongings with new items at current market prices, while actual cash value coverage only reimburses you for what your items were worth after depreciation. For instance, if your five-year-old television gets destroyed in a fire, replacement cost would buy you a brand-new TV, but actual cash value would only cover what your old television was worth at the time of loss.
Our analysis identifies which insurers balance affordability with coverage for Connecticut-specific risks. We evaluated home insurance providers across three weighted factors that determine value for Connecticut homeowners.
Affordability (55%): We analyzed rates for different home types, credit tiers and risk levels. Providers earned higher scores for competitive pricing and extensive discounts. Cost carries the heaviest weight because premiums determine whether you can maintain coverage long-term. Connecticut's high rebuilding costs and frequent hail claims make affordable coverage important.
Customer satisfaction (30%): We reviewed ratings from Trustpilot, app stores and J.D. Power surveys covering the buying process, policy management and claims handling. These ratings show which companies deliver consistent service throughout your relationship, not just competitive quotes. Claims experience matters most when wildfire or hail damage strikes and you need prompt payment and clear communication.
Coverage options (15%): We assessed add-on availability, unique features and state access. More flexibility lets you tailor policies to Connecticut needs like wildfire coverage, water backup from snowmelt and equipment breakdown coverage for HVAC systems in temperature extremes. Standard policies don't always address Connecticut's specific hazards without customization.
Our Sample Profile
Costs reflect a homeowner aged 41 to 60 with good credit and no prior claims insuring a 2,500-square-foot home built in 2000. Coverage includes $250,000 dwelling coverage, $125,000 personal property coverage, $200,000 personal liability coverage and a $1,000 deductible. This profile represents typical Connecticut homeowners balancing comprehensive coverage with manageable premiums.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
