Best Homeowners Insurance in Connecticut


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Key Takeaways

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According to our 2025 research, the top three home insurance providers in Connecticut are State Farm, Allstate and Chubb.

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State Farm offers the best overall home insurance for most Connecticut homeowners. For those with older homes, State Farm is also the best option.

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To choose the best option, determine your coverage needs, research costs and company details, and compare multiple quotes.

Compare Home Insurance Rates

Ensure you're getting the best rate for your home insurance. Compare quotes from the top insurance companies.

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Who Are the Best Home Insurance Companies in Connecticut?

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.

State Farm92122
Allstate77342
Chubb72511
ASI70254
Farmers69434

*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 Farm92Overall
State Farm92Older Homes
State Farm89Newer Homes
State Farm92High-Fire-Risk Areas
State Farm92Bad Credit
State Farm92With 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.

BridgeportState Farm92
HartfordState Farm92
New HavenState Farm91
StamfordState Farm92
WaterburyState Farm92

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.

Data filtered by:Results filtered by:
Select
Coverage Level:$250K Dwelling / $125K Personal Property / $200K Liability
Select
Deductible:1000
Select
Credit Tier:Good
Select
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.

Data filtered by:Results filtered by:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
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:
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
Select
Deductible:1000
Select
Credit Tier:Below Fair
Select
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. 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. 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. 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. 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?

Who has the most affordable homeowners insurance in Connecticut?

How do you get the best homeowners insurance in Connecticut?

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 headshot

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.


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