State Farm, Allstate, Chubb, ASI and Farmers are the best home insurance companies in Connecticut. State Farm ranks first overall, ASI leads in affordability, and Chubb has the best customer service score. Compare all our top picks below.
Best Homeowners Insurance in Connecticut
Updated: July 3, 2025
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Key Takeaways
According to our 2025 research, the top three home insurance providers in Connecticut are State Farm, Allstate and Chubb.
State Farm offers the best overall home insurance for most Connecticut homeowners. For those with older homes, State Farm is also the best option.
To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.
Who Are the Best Home Insurance Companies in Connecticut?
| State Farm | 92 | 1 | 2 | 2 |
| Allstate | 77 | 3 | 4 | 2 |
| Chubb | 72 | 5 | 1 | 1 |
| ASI | 70 | 2 | 5 | 4 |
| Farmers | 69 | 4 | 3 | 4 |
*Our ratings consider various combinations of coverage levels, home features and homeowner details to identify the best overall options. Rankings may differ based on your specific profile. The tables below use the same methodology.
Best Homeowners Insurance Companies by Category
Though our rankings reflect the best overall providers, the best option for you may differ based on your home type or personal needs. Below, we highlight the top insurers across major categories.
| State Farm | 92 | Overall |
| State Farm | 92 | Older Homes |
| State Farm | 89 | Newer Homes |
| State Farm | 92 | High-Fire-Risk Areas |
| State Farm | 92 | Bad Credit |
| State Farm | 92 | With Claims History |
Best Connecticut Home Insurance by City
Home insurance provider rankings in Connecticut cities vary widely based on affordability, local customer service and available add-on coverage options. State Farm is the best provider in all the Connecticut cities in our study.
| Bridgeport | State Farm | 92 |
| Hartford | State Farm | 92 |
| New Haven | State Farm | 91 |
| Stamford | State Farm | 92 |
| Waterbury | State Farm | 92 |
Best Connecticut Home Insurance Reviews
Explore our selection of top home insurance providers in Connecticut in terms of affordability, customer service and comprehensive coverage options.
State Farm: Best for Affordability
We found that State Farm has the most affordable rates for most Connecticut homeowners. The company is also the top choice for all categories in our study of Connecticut's top providers. State Farm's customer service scores are strong, placing seventh in customer satisfaction according to J.D. Power. The provider offers a diverse selection of coverages, including unique options like an energy-efficient upgrades coverage and sewer and drain backup coverage.
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Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
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Deductible:1000
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Credit Tier:Good
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Claims History:Claim free for 5+ years
| Newer Homes | $85 | $1,016 |
| Newer Homes in High-Fire-Risk Areas | $85 | $1,016 |
| Older Homes in High-Fire-Risk Areas | $142 | $1,710 |
| Older Homes | $142 | $1,710 |
Chubb: Best for Customer Service
Although Chubb is the most expensive provider for home insurance in our Connecticut study, it is the best for both coverage and customer service. According to J.D. Power studies, it has top scores for claims and customer satisfaction among other homeowners insurance providers. It also has a variety of coverage selections, including its Masterpiece® coverage, covering fine art, jewelry and other valuable possessions.
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $183 | $2,191 |
| Newer Homes in High-Fire-Risk Areas | $183 | $2,191 |
| Older Homes in High-Fire-Risk Areas | $234 | $2,811 |
| Older Homes | $234 | $2,811 |
Allstate: Best for Coverage
Allstate offers the third most affordable rates in Connecticut overall, along with strong coverage selections. These include unique add-ons like Claim RateGuard®, which prevents your premium from increasing after filing a claim, and Deductible Rewards, which reduces your deductible for every claim-free year. Allstate also provides water backup coverage to protect against damage from sewer or drain backups and Green Improvement Reimbursement, which helps cover the cost of upgrading to energy-efficient appliances after a covered loss.
Data filtered by:Results filtered by:
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Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
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Deductible:1000
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Credit Tier:Below Fair
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Claims History:1 claim in past 5 years
| Newer Homes | $107 | $1,284 |
| Newer Homes in High-Fire-Risk Areas | $114 | $1,365 |
| Older Homes | $279 | $3,349 |
| Older Homes in High-Fire-Risk Areas | $297 | $3,561 |
How to Find the Best Home Insurance in Connecticut
Choosing the best homeowners insurance can be challenging. Follow these steps to find coverage that fits your needs and budget.
- 1
Determine Your Coverage Needs
Before choosing a home insurance policy, determine the coverage level you need. Assess your home's value, the personal belongings inside, and local risk factors that might affect your coverage.
- 2
Research Costs and Discounts
Research how much home insurance costs in Connecticut to see if providers truly offer savings. Also, check for discounts you qualify for to maximize your savings.
- 3
Find the Best Providers for You
After researching coverage and costs, narrow your search for the best and cheapest home insurance in Connecticut. Use guides and research to evaluate customer service ratings, pricing specific to your needs, and suitable coverage add-ons.
- 4
Compare Multiple Providers Through All Means
With your research complete, compare providers to find the best option. Ensure you compare quotes on an apples-to-apples basis for accuracy. Get quotes through various methods, as online estimates may differ from those given by brokers or agents over the phone.
Best Homeowners Insurance in Connecticut: Bottom Line
State Farm, Allstate and Chubb are the best-rated homeowners insurance providers in Connecticut. However, researching and comparing options yourself can help you find the best fit for your needs.
Best Home Insurance in Connecticut: FAQ
To simplify your search, we've answered common questions about choosing a home insurance provider in Connecticut.
Which company is best for home insurance in Connecticut?
State Farm is the best homeowners insurance provider in Connecticut due to its affordability, customer service and strong add-on coverage options. Allstate, Chubb, ASI and Farmers are also highly rated alternatives in Connecticut.
Who has the most affordable homeowners insurance in Connecticut?
The most affordable homeowners insurance in Connecticut varies by individual circumstances. However, the average cost in Connecticut is $1,456 annually.
How do you get the best homeowners insurance in Connecticut?
To find the best home insurance in Connecticut, determine your coverage needs, research costs and providers, and compare multiple options.
How We Decided the Best Home Insurance in Connecticut: Our Methodology
We rated the best homeowners insurance providers in Connecticut using this methodology:
- Affordability (55%): Providers scored higher if they were more affordable across various factors. We also evaluated the range of discounts offered.
- Customer satisfaction (30%): Scores were based on ratings from sites like Trustpilot, app reviews and industry sources like J.D. Power. This included the buying process, policy management and claims handling.
- Coverage (15%): We assessed the number of add-on options, unique features and availability by state.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.