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Connecticut Home Insurance - What's Happening

Residents looking for Connecticut home insurance quotes are in luck. State-set Connecticut home insurance rates typically are low, possibly because the state suffers very few major disasters. Premiums, which insurers base on personal qualities as well as property characteristics, measured an average of $855 annually during the last quarter. That's not quite $30 more than the national average.

Connecticut has contradictions when it comes to risk. On one hand, the houses are old, and therefore more prone to weather damage. They also typically cost more to replace. On the other, Connecticut experiences very few destructive natural disasters. Those that it does experience are few, such as tornadoes, and far between, such as severe winter storms or floods. Hurricanes don't usually hit the state directly and instead hover over the state as tropical storms. Though these tropical storms can still do much damage, major destruction doesn't threaten often.

In general, Connecticut homeowners insurance prices fall around the middle of the pack. Call or fill in your ZIP code above and a Connecticut-licensed HomeInsurance.com agent get you a free home insurance quote. You could be paying less for great protection soon, so click or call today!

Curious about car insurance? Click here to learn more about auto insurance in Connecticut.


Connecticut Home Insurance Report Card

We get that buying home insurance is complicated. We've demystified it by assigning each state grades based on information collected from HomeInsurance.com customers about their houses. It's a coloring-outside-the-lines approach that shows how factors about a home can affect what you pay for coverage.


B

Home Grade

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B

Property Grade

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A

Bonus Grade

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B

Overall Grade

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Home (Grades related to the house itself)

The HomeInsurance.com team assigned Connecticut a B grade because of its low natural disaster and property risk. What keeps the Constitution State from top marks? The very history for which the state is known. Connecticut's homes are older and therefore more prone to weather damage and higher replacement costs. Insurers also prefer states with homes closer to fire hydrants and with fewer swimming pools. Overall, the risk of filing a claim in the state is low, leading to a solid grade and lower premiums.

C

Average year built

The average Connecticut home, built in 1967, is nearly 20 years older than the average home in the U.S.

B

Average home size

Compared to the average American home, which measures in at 1,971 square feet, Connecticut homes have a more humble 1,893 square foot average.

B

Average replacement cost

At $303,942, the average Connecticut home costs slightly more than the national average to replace.

A

% of homes with sump pump

16% of Connecticut homes have sump pumps, possibly due to the fact that 77% of homes in the state have basements.

Property (Factors related to the property and location)

Property scores for Connecticut homes vary. Residents intelligently avoid some liability risk by choosing not to keep ATVs or snowmobiles on their property. Nonetheless the percentage of homes with swimming pools (5.9%) slightly exceeds the national average (5.1%), pulling down the overall grade.

Did you know that your Connecticut home insurance also provides protection for any structures on your property such as detached garages, tool sheds, or gazebos? Having coverage for those structures can be great in a bind, but when your gazebo has a high replacement cost, it can raise your premiums. The replacement cost of other structures on Connecticut properties averages $30,458, more than $4000 above the national average. This hurts property grades for the state.

Bonus (Other factors that influence your home insurance premiums)

A

% of homes with fire extinguishers

94% of Connecticut homes have fire extinguishers, compared to just 91.4% in the rest of the country.

B

% of homes with dead bolt locks on exterior doors

At 96% of homes with deadbolt locks, Connecticut couldn't get much closer to the national average of 95.9%.

B

% of homes with smoke detectors

Connecticut also is very close to the average with smoke detectors; 98% of homes in the state have them compared to 98.3% in the nation on average.

A+

% of homes with security alarms

Connecticut residents are nothing if not safe. 21% of homes in the state have monitored security, that's nearly 2% more than the national average.

Overall Grade - B (smooth sailing)

The HomeInsurance.com team assigned Connecticut a B grade because of its low natural disaster and property risk. What keeps the Constitution State from top marks? The very history for which the state is known. Connecticut's homes are older and therefore more prone to weather damage and higher replacement costs. Insurers also prefer states with homes closer to fire hydrants and with fewer swimming pools. Overall, the risk of filing a claim in the state is low, leading to a solid grade and lower premiums.

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