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Connecticut Homeowners Insurance Quotes
Connecticut is amazing regardless of the season, but fall truly brings out the beauty of our fantastic state. Foliage views combined with charming towns, apple orchards, hayrides and pumpkin farms make Connecticut a lovely place to visit or even better, live.
Connecticut isn’t just about fall foliage tours, we have beautiful beaches that make a great summer getaway as well as casino resorts, adventure parks, world class museums and some of the best camping in the country. Regardless of whether you are looking for an indoor activity or fun in the sun, Connecticut has you covered.
Connecticut is the third smallest state by area, it ranks 29th most when it comes to population and is the fourth most densely populated state in the country. It is a great place to live and raise a family regardless of whether you are living in a big city like Bridgeport or one of our smaller towns like Groton.
Another great thing about Connecticut is its proximity to New York City. Much of southern and western Connecticut is considered part of the New York metropolitan area meaning you can live the family life in Connecticut and still live a short drive from the excitement of NYC.
Regardless of where you are thinking of moving to in Connecticut, here are a few facts that you should know about our lovely state.
Connecticut Facts
Connecticut has a population of 3,574,097, which breaks down to roughly 3,432 households per zip code. It doesn’t matter if you are thinking about moving to Middletown or Hartford, which is the capitol of Connecticut, the average number of people per house is two.The average household income in Connecticut is a bit under the national average at $35,254 but houses are a bargain with an average price of $111,475.
Homeowners Insurance in the Constitution State
When it comes the cost of homeowners insurance, Connecticut is a bargain when compared to the rest of the country. It doesn’t matter if you are living in Fairfield county or New Haven county, the average cost of homeowners insurance is roughly $1,034. According to statistics, the cost of Connecticut homeowners insurance is 16.24 percent lower than the national average.Even though homeowners insurance is relatively cheap in Connecticut, there are ways to drive the cost even lower. Here are a few tips on keeping your premium affordable:
Shop Around: The absolute best way to lower your insurance costs is to shop your coverage. Contact at least 5 insurance companies for a quote and make sure you are comparing apples to apples in regards to coverage levels and deductibles. We can help you find a great deal on homeowners insurance whether you live in New Haven county or call Middlesex county home. We will compare up to 12 carriers in Connecticut and can help you save up to 40 percent on your current premium.
Discounts: Insurers offer dozens of discounts and getting every one that you are entitled to receive is key to saving money on your policy. A few of the most common discounts are bundling, adding storm shutters and even going paperless on your policy.
??Add a Security System: A monitored security system makes your home more secure and lowers the risk of a break-in, which will make your insurer happy. Expect a significant discount once it is installed.
Homeowners insurance comes in a few different types, here is a quick overview of the different types of homeowners coverage:
HO-3: This is a standard homeowners policy and most likely this is the type you will need for your home. It covers damage from all perils except ones that are specifically excluded in the policy. All homeowners policies exclude damage from earthquake and flood damage.
H0-6: This policy is designed for people that live in condos and co-ops. This policy will protect your personal belongings s well as the structural components of the building that you actually own. Coverage with these policies is limited to 16 specific perils that are listed in the policy.
HO-4: If you are living in an apartment in Bristol, West Haven or any other Connecticut city, this is the policy type for you. A renter’s policy covers your personal items as well as providing liability protection in the event someone is injured in your apartment.
Factors to Consider in Connecticut
Connecticut does get severe weather and it can cause major damage and push up the cost of homeowners insurance if end up in the middle of a hurricane or even a severe hailstorm.Snow and hail damage can cause damage to your roof and siding. Homeowners insurance should be saved for major events so if your storm damage is minimal, you should pay it out of pocket. Making small frequent claims can push up your premium dramatically.
If you are moving to Connecticut and are looking for a homeowners policy, we can help. Our national insurance partners can send their best quotes directly to your inbox so you choose the best policy for your needs, at the best price.
Contact us today to start your search for a great homeowners policy, all you need to do is enter your zip code to start our free online Connecticut home insurance quoting application.
Average Homeowners Insurance Premiums in Connecticut
With over 95% of all Americans are known to have homeowners insurance coverage, it's important to know what Connecticut homeowners are paying on average. Did you know that the average homeowners insurance premium in Connecticut is $1582? Connecticut is now ranked 10 in the country. The country wide average for homeowners in the United States is $1,311. This means the average home insurance premium in Connecticut is 20.67% more than the national average.
| Year | Average Annual Premium | Average Monthly Premium | State Rank (Overall) |
|---|---|---|---|
| 2020 | $1582 (3.3%) | $ 132 | 10 |
| 2019 | $1531 (2.5%) | $ 128 | 10 |
| 2018 | $1494 (1.01%) | $ 125 | 11 |
| 2017 | $1479 (1.64%) | $ 123 | 11 |
| 2016 | $1455 (3.07%) | $ 121 | 8 |
When we combine the state averages over the last decade, the Connecticut overall average is estimated to be around $1,351.60. Our homeowners insurance quoting and rating process helps you compare homeowners insurance quotes, coverages and premiums. Connecticut current state rank compare to the rest of the country is #10. Consider shopping your Connecticut home insurance with us so we can help you save up to 40% or more on your policy.
Find Local CT Homeowners Insurance Quotes & Coverage
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Connecticut Homeowners Insurance News & Information
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2025 – Study Shows Home Insurance Market Stabilizing Posted on Wednesday 11th December, 2024
According to a new report from Matic, the homeowner’s insurance market has shown signs of stabilizing roughly two years after major premium hikes and coverage challenges. Even though premiums are high, trends in the insurance industry show that a slowdown in premium growth may be coming. Here is a brief overview of the report and […]
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What’s the average home insurance rate for a $300K home in 2024? Posted on Monday 9th December, 2024
A recent report from Insurance.com found that the average homeowners insurance rate for a $300,000 in homeowners coverage hit $2,777 per year which breaks down to $231 monthly. The cost of homeowners insurance in some states can be extremely expensive, for years Florida has been know to have the highest premiums in the nation. When […]
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$4.5B Estimated In Insured Losses After 2024 Florida Hurricanes Posted on Wednesday 13th November, 2024
According to the Florida Office of Insurance Regulation, the three hurricanes that made landfall this year have caused more than $4.5 billion in estimated insured losses. Hurricane Debby, Helene and Milton all hit the state within two months of each other Helene and Milton struck just two weeks apart. State data show that over 269,000 […]
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I can’t afford my home insurance, what do I do? Posted on Saturday 9th November, 2024
According to data from the National Association of Realtors (NAR), the average U.S. insurance rate is $2,377 a year. The data also suggest that homeowners could see a 6% rise in rates by the end of the year which is in addition to the 20% increase over the two previous years. As climate change pushes […]
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How to Get the Best Homeowners Insurance Policy for Your Needs Posted on Wednesday 6th November, 2024
Having the proper insurance coverages in place is a critical part of owning a home, it protects your investment and finances in the event your home is destroyed by an unexpected disaster such as a fire, flood or severe storm. Understanding the different coverages that are available to homeowners is key to making sure you […]
Connecticut Housing & Real Estate Data
| Details: | Staticstics |
|---|---|
| Total Housing Units | 1487891 |
| Occupied Housing Units | 1371087 |
| Vacant Housing Units | 116804 |
| Vacant Housing Units for Rent | 40004 |
| Vacant Housing Units Rented Not Occupied | 1960 |
| Vacant Housing Units For Sale | 15564 |
| Vacant Housing Units Sold Not Occupied | 3729 |
| Vacant Housing Units For Seasonal Occasional Use | 29618 |
| Vacant Housing Units All Other Vacants | 25929 |
| Housing Units Homeowner Vacancy Rate Percent | 1.6 |
| Housing Units Rental Vacancy Rate Percent | 8.2 |
| Housing Tenure Occupied Units | 1371087 |
| Housing Tenure Occupied Units Owner Occupied | 925286 |
| Housing Tenure Occupied Units Owner Occupied Population | 2443707 |
| Housing Tenure Occupied Units Owner Occupied Averge Household Size | 2.64 |
| Housing Tenure Occupied Units Renter Occupied | 445801 |
| Housing Tenure Occupied Units Renter Occupied Population | 1012238 |
| Housing Tenure Occupied Units Renter Occupied Average Household Size | 2.27 |
Understanding Connecticut Homeowners Insurance
When shopping for Connecticut homeowners insurance quotes you should be aware of the various types of insurance policies that are available in your area:
- HO-3: This is the most common type of homeowers policy. This policy type protects your home against all perils, except ones that are specifically excluded. In most cases earthquake and flood damage are excluded.
- H0-6: This policy type is specifically written for condos or co-ops. If you own a condo or live in a co-op building this type of policy is a necessity. A HO-6 policy covers both your personal belongings and the structural parts of the building that you own. There are 16 disasters listed on a typical policy that HO-6 protects against.
- HO-4: If you are looking for Connecticut renters insurance, a HO-4 policy is a great option. Renters insurance will cover your contents as well as offer liability coverage in the event a person is injured in your apartment.
While other types of policies exist, these are the most common ones. A HO-2 is a more basic policy that offers reduced coverage levels and a HO-5 is a high-end policy that offers increased protection.
If you are shopping for a new home in Connecticut, homeowners insurance is a must do. We can help you find the perfect policy for your new home, regardless of whether you need a standard HO-3 policy, HO-6 or renters insurance, our site makes shopping for homeowners insurance quotes easy. Visit our online quoting application today and let us help you shop and compare up to 12 different Connecticut rates and coverage options.