A Connecticut home insurance policy can protect you against unexpected events like fire, theft, or hail that can damage your home and personal belongings.
Keep reading to learn what’s covered under a home insurance policy and which companies offer the best home insurance coverage in the state.
3 Best Homeowners Insurance Providers in Connecticut
These are the top providers of home insurance in Connecticut:
- Lemonade: Easiest Sign-Up
- Liberty Mutual: Best Discounts
- Travelers: Most Experience
Lemonade: Easiest Sign-Up
- J.D. Power Rating: N/A
- A.M. Best Rating: N/A
While older insurance companies, like Liberty Mutual and Travelers, conduct most of their business over the phone, Lemonade has a customer portal, mobile app, and online chat function that allows customers to get answers to their questions without talking to a representative on the phone.
Pros and Cons of Lemonade Home Insurance
✔ Offers a unique endorsement for swimming pool coverage
✔ Offers customizable personal property coverage
✔ Has a Giveback program that donates unused premium money to charities
✘ Doesn’t provide others structures coverage
✘ Has less than five years of experience in the insurance industry
Get Quote using Lemonade’s free quote tool
Learn More: Lemonade Home Insurance Review
*A.M. Best ratings accurate as of January 2023
Liberty Mutual: Best Discounts
Liberty Mutual home insurance includes dwelling, other structures, personal property, additional living expenses, liability, and medical payments coverage. One unique benefit of Liberty Mutual is that it often provides a wide variety of discounts to help keep premiums affordable.
Pros and Cons of Liberty Mutual Home Insurance
✔ Has a claims center that’s open 24/7
✔ Often offers customizable coverage limits for liability coverage
✔ Has over 100 years of experience in the insurance industry
✘ Doesn’t provide customizable personal property coverage
✘ Is more expensive than Lemonade and Travelers
Travelers: Most Experience
Travelers has over 165 years of experience in the insurance industry, providing a variety of insurance products and services to consumers.
Pros and Cons of Travelers Home Insurance
✔ Offers up to $10,000 of medical payments to others coverage per person
✔ Offers five discounts to decrease insurance rates
✔ Provides up to 100% of dwelling for other structures, personal property, and loss of use coverage
✘ Doesn’t provide 24/7 customer service
✘ Has fewer endorsements than Liberty Mutual and Lemonade
Connecticut Home Insurance Coverage
Here’s what a Connecticut home insurance policy typically covers:
- Liability—If you cause bodily injury or property damage to another person, your policy will pay for medical bills, any necessary repairs or replacements, and legal fees if you’re sued. Most homeowners need at least $300,000 of this type of protection.
- Medical payments to others—This pays for medical bills if a guest is injured in your home. Most policies come with $1,000 of protection per person.
- Dwelling—This will cover the cost of rebuilding your home if it’s destroyed in a fire or other covered event. To ensure you receive enough dwelling coverage, use the rebuilding estimation given to you by an insurance company or by a local real estate appraiser.
- Other structures—While dwelling coverage protects the built-in elements of your home, other structures coverage protects detached elements like fences, sheds, and garages. This coverage usually makes up 10% of dwelling coverage.
- Personal property—This protects your personal belongings when you’re at home or on a trip. Personal property coverage is usually 50% of dwelling coverage.
- Loss of use—If an event damages your property and you have to live in a hotel or temporary rental during repairs, your provider will reimburse you for living expenses during that time. Loss of use coverage is usually 20% of dwelling coverage.
How Much Does a Homeowners Insurance Policy Cost in Connecticut?
The average cost of a Connecticut homeowners insurance policy in 2017 was around $123.25 per month, according to the Insurance Information Institute. That was higher than the national average of about $101 per month.
Note: The cost of your homeowners insurance policy will vary by state, the type of coverage you choose, and the square footage of your home, among other factors. Because of this, we recommend getting a few insurance quotes from at least three different providers.
Factors to Consider Before Buying Homeowners Insurance
Consider how these factors will affect your home insurance policy:
- Natural disasters—The two most common natural disasters in Connecticut are snowstorms and floods. While damage caused by snow is usually covered under a home insurance policy, water damage from floods typically isn’t. If you live in a floodplain, consider looking into a separate flood insurance policy for extra protection.
- Home inventory—A home inventory is a list of your personal belongings and how much they’re worth. Creating a home inventory helps determine how much personal property coverage you need and makes it easier to see what items were damaged following a covered event.
- Discounts—In a state like Connecticut that has expensive home insurance, discounts can help bring down your monthly premiums. Common discounts include ones for bundling home and auto insurance, being claims-free, and having safety features in your home.
- Endorsements—If the six types of coverage in a basic policy don’t offer enough protection, look into additional coverage options called endorsements. Most companies offer endorsements for identity theft, valuable personal property, water backup, and personal property replacement cost.
Compare the Top Providers of Home Insurance in CT
Our Conclusion
Liberty Mutual, Lemonade, and Travelers offer the best home insurance to Connecticut homeowners. To get an idea of how much you’ll pay for your policy, call 855-948-5219 or use the tool below to get a quote:
FAQs About Home Insurance in Connecticut
Our Rating Methodology
The This Old House Reviews Team is committed to providing comprehensive and unbiased reviews to our readers. This means earning your trust through transparency and having the data to back up our ratings and recommendations.
With that in mind, we created an objective rating system to score each home insurance company. Here’s what that review process looked like:
- We analyze the information on each company’s website. This allows us to determine what products and services are offered by each home insurance provider.
- We get a sample quote from the companies by either talking to a sales representative or by using the online quote tool. This tells us what a policy looks like and costs.
- We test customer service by talking to a company representative, finding out their hours of operation, and determining what technological features are available for customers.
- We update all of this information on a continuous basis, storing it in a proprietary database that allows us to compare dozens of home insurance companies against each other.
With this data, we created a rating methodology to score each home insurance company. Our rating system is a weighted, 100-point scale based on the following factors:
- Coverage (30): We rated home insurance companies higher if they offered the six main types of homeowner protection—dwelling, other structures, personal property, loss of use, liability, and medical payments to others coverage.
- State availability (7.5): Companies scored higher if they covered more states than their competitors.
- Customer service (15): This factor is based on our communications with the company representatives, as well as the companies’ claims and quotes processes, availability throughout the week, and customer service information found on their websites.
- Technology (12.5): Technology can increase the efficiency of filing and tracking home insurance claims. Companies scored higher if they had technology options like mobile apps and online chat functions.
- Reputation (20): We gauged trustworthiness based on years of experience and Better Business Bureau ratings.
- Additional benefits (15): Companies that offered optional features, like discounts and endorsements, scored higher than competitors that didn’t.
The This Old House Reviews Team has a full-time researcher who collects and regularly updates data points from every company to help us compare them on key factors such as coverage, service, and dependability.
To share feedback or ask a question about this article, send a note to our Reviews Team at reviews@thisoldhousereviews.com.