When it comes to protecting an investment as big as your home, you want Connecticut home insurance coverage that can offer you peace of mind at a great price. If you are looking for an affordable policy that doesn't sacrifice coverage, then look no further than HomeInsurance.com. Independent licensed insurance agents will work with you one-on-one and compare multiple quotes from top Connecticut providers until they find the right policy for you – not for any specific insurance company.
When you call a HomeInsurance.com agent you can expect to receive up to eight quotes from highly rated carriers. Through our apples-to-apples comparisons you can rest easy knowing you got the a terrific Connecticut homeowners insurance policy at a price you can afford.
Home insurance rates in Connecticut
The average Connecticut home insurance rate in February 2014 was $825.00. It appears that rates have decreased since January when average rates in Connecticut were around $845.00. This reflects the annual cost of a standard home policy and does not include flood insurance or earthquake insurance.
Average Premiums for Home Insurance In Connecticut
|Feb 2014||Jan 2014||Dec 2013||Nov 2013||Oct 2013|
Average Connecticut home insurance premiums will always be up and down, but homeowners needn't worry because there are always more ways to lower your premium. Discounts are a great way to save some extra money each year. Homeowners can often save up to 20% by bundling their home and auto policies with one provider and homes with security systems and fire alarms can also experience price breaks. Here are some other common home insurance discounts to ask about:
- Claims-free discounts
- New home discount
- 55, retiree discount
- Non-smoker discount
Check out our most recent Connecticut home insurance quotes
Want to see how much other Connecticut homeowners are paying for home insurance? Below are the details of the last five policies written in Connecticut by HomeInsurance.com agents. Remember factors such as square footage and location can affect the premium.
|Home 1||Home 2||Home 3||Home 4||Home 5|
|Premium with Auto Discount||$2,614†||$660†||$729†||$589†||$524†|
|Discounts|| || || || || |
|Primary Heat Source||Central Oil||Central Oil||Central Gas||Central Oil|
See if you are paying too much for home insurance and get your multiple quotes today. Enter your ZIP code in the form above or call us directly at 1-877-295-3422 to get personalized Connecticut home insurance quotes.
Average Connecticut home insurance rates vs. U.S. rates
So how do CT home insurance rates stack up against other states? Connecticut policyholders paid an average of $825 compared to the national average of $815, for their home insurance premiums.
Connecticut home insurance rates by county
Wondering how your county's home insurance rates compare with other counties across the state as well as the Connecticut average? Check out the map below to see how average home insurance premiums in your county match up.
Standard Connecticut homeowners insurance coverage
Homeowners insurance does more than protect the structure of your house. Learn more about the coverages typically included in a standard policy.
These protections kick in if there's an accident at your house:
- Personal Liability Protection: Standard Connecticut homeowners insurance provides financial protection in the event someone is injured on your property and decides to sue you.
- Medical Payments: Reimburses you for medical bills if someone is hurt on your property and doesn't plan to sue you.
These protections apply to your home and the stuff in it:
- Dwelling: A standard CT policy protects your home's structure against covered perils such as wind, fire, and hail. Your dwelling coverage limit should be enough to replace your home in case there's a complete loss.
- Other Structures: Offers coverage for structures on your property besides your house. This can include detached garages, sheds, fences, etc.
- Contents/Personal Property: Protects the personal property inside your home. High value items such as collectibles or expensive jewelry may require more coverage than a standard policy allows. Consult an agent if you own these items.
- Loss of Use: In the event your home becomes uninhabitable because of one of those covered perils, your loss of use coverage could assist with living expenses incurred while you're temporarily displaced.
Is your Connecticut home protected against natural disasters?
Part of being a responsible, well-informed homeowner is knowing which perils are covered by your policy. Standard Connecticut homeowners insurance policies, for example, don't include flood coverage.
With Connecticut's proximity to the coast, homeowners should be wary of flooding from hurricanes and other severe storms. It wasn't too long ago homeowners in the Northeast dealt with the wrath of Superstorm Sandy, which left many homes in deep water. To protect your home from an unexpected flood, purchase a flood policy through the National Flood Insurance Program. Learn more about the National Flood Insurance Program here.
In addition to hurricanes and flooding, Connecticut homeowners must worry about blizzards and tornadoes. Not sure what perils are covered by your home insurance? Review your policy and consult an agent if you have questions regarding your coverage. You may need to make adjustments in order to maintain total protection.
For more information on insurance in Connecticut, visit the Connecticut Department of Insurance website.
Other Connecticut homeowners resources
Dwelling coverage should be enough to replace your home in the event of a complete loss. Find out how much coverage your home needs with our home insurance calculator.
You can never be too prepared when disaster strikes. Get your family and home ready for anything with our disaster preparedness guide.
Want more ways to save? See what discounts may be available in Connecticut with our list of home insurance discounts .
Find home insurance in your city
Click on your city or the closest to you for more information on Connecticut homeowners insurance.
|Farmington||Manchester||New Britain||New Haven|