Best Connecticut Homeowners Insurance for 2026
Amica has the best homeowners insurance overall, but State Farm is cheaper
- Amica is the best homeowners insurance company in Connecticut for its discounts, excellent customer service and the chance to earn a portion of your premium back in dividends.
- The cheapest homeowners insurance in CT is State Farm.
- The average cost of homeowners insurance in Connecticut is $2,595 per year, just slightly less than the national average.
- Overall, Connecticut’s homes are the oldest in the country, which means they can cost more to repair or rebuild.
Best homeowners insurance in Connecticut
Amica is our pick for the best homeowners insurance company in Connecticut because of its low number of customer complaints, generous discounts and the chance to earn a portion of your premium back in dividends.
Also consider Allstate if you want more coverage options and State Farm if you want the lowest homeowners insurance rates in Connecticut.
Best overall: Amica
Average annual rate: $1,958
Why we chose it: Amica receives significantly fewer complaints than other companies its size, according to the National Association of Insurance Commissioners (NAIC)
Both traditional and dividend policies offer the same type of coverage, but you could get 5%–20% of your premium back annually with a dividend policy. In exchange, dividend policies typically cost more upfront.
Who it’s best for: Homeowners who value customer service over cost
PROS
- Fewer complaints than average
- Opportunity to get some of your premium back via dividends
- Generous bundling discount
CONS
- Not the cheapest
- Not as many add-ons available
- Lower mobile app rating from Android device users
Best for coverage options: Allstate
Average annual rate: $2,006
Why we chose it: Allstate has coverage options that many carriers don’t. For example, its green improvement reimbursement pays to replace damaged or destroyed covered items with more energy-efficient ones.
Who it’s best for: Homeowners who want robust protection
PROS
- Lots of add-ons to choose from
- Claim-free rewards discount and claim forgiveness available for an extra cost
CONS
- Higher premiums
- More customer complaints than average
Best for cheap rates: State Farm
Average annual rate: $1,203
Why we chose it: State Farm is the cheapest homeowners insurance company in Connecticut. Policyholders don’t have to skimp on coverage, either, since State Farm has a long list of endorsements to choose from.
Who it’s best for: Homeowners looking for a well-rounded homeowners policy at an affordable price
PROS
- Cheapest average premiums
- Offers an inflation coverage option to help you keep up with rising labor and material costs
- Comes with free app (Ting) that helps you to monitor your home for fire risks
CONS
- More complaints than average
- Not as many discounts as some carriers
Compare home insurance rates and ratings in Connecticut
| Company | Average annual rate * | LendingTree rating | NAIC complaint rating* | |
|---|---|---|---|---|
| State Farm | $1,203 | | 1.35 |
| Amica | $1,958 | | 0.21 |
| Allstate | $2,006 | | 1.18 |
 | Narragansett Bay | $2,503 |  | 0.22 |
 | MAPFRE | $2,535 | NA | 0.59 |
 | Andover | $2,776 |  | 0 |
 | Progressive | $4,132 | | 1.79 |
 | American Family | $4,773 | | 0.36 |
 | USAA** | $1,471 | | 0.52 |
**USAA is only available to current and former members of the military and their families.
How much is homeowners insurance in Connecticut?
The average cost of home insurance in Connecticut is $2,595 a year, or about $216 a month. This is a little less than the national average of $2,628.
Home insurance rates depend on many factors, including how much coverage you carry. Dwelling coverage (or Coverage A) protects your home and attached structures against covered perils like fire, hail and vandalism.
Understanding how homeowners insurance coverage types work can help you pick a quote that covers you sufficiently but doesn’t leave you overinsured.
Average home insurance rates by dwelling coverage amount
Dwelling coverage pays for damage to your home caused by a covered claim, like fire or hail. The more coverage you have, the higher the premium.
How much dwelling coverage you need is based on your home’s replacement cost, or what it would cost to rebuild or repair your home today — not how much you paid for it. Your insurance agent or an online application will help you figure out how much coverage makes sense for you.
| Insurance company | $300,000 coverage | $400,000 coverage | $550,000 coverage | $750,000 coverage |
|---|---|---|---|---|
| State Farm | $997 | $1,203 | $1,496 | $1,884 |
| Amica | $1,564 | $1,958 | $2,442 | $3,039 |
| Allstate | $1,581 | $2,006 | $2,770 | $3,820 |
| State average | $2,145 | $2,662 | $3,410 | $4,391 |
Home insurance rates in Connecticut by city
Where you live also affects the cost of home insurance since premiums are based on risk. If an insurance company determines you are more likely to file a claim because of your ZIP code, it will charge you a higher premium.
For instance, a home in a coastal ZIP code will likely cost more to insure, in part because extreme weather is correlated with more frequent claims.
With that in mind, the two cheapest cities for home insurance in Connecticut are inland: Unionville and Torrington. Unionville is the cheapest, with an average annual rate of $2,144. At $2,147, Torrington isn’t far behind.
Homeowners insurance is most expensive in Westbrook Center. There, the annual premium is $3,866. Saybrook Manor is second-highest, at $3,800. Both are coastal cities.
| City | Average rate |
|---|---|
| Abington | $2,268 |
| Amston | $2,204 |
| Andover | $2,234 |
| Ansonia | $2,628 |
| Ashford | $2,191 |
| Avon | $2,166 |
| Ballouville | $2,279 |
| Baltic | $2,505 |
| Bantam | $2,234 |
| Barkhamsted | $2,228 |
| Beacon Falls | $2,591 |
| Berlin | $2,234 |
| Bethany | $2,790 |
| Bethel | $2,230 |
| Bethlehem | $2,207 |
| Bethlehem Village | $2,207 |
| Bloomfield | $2,290 |
| Blue Hills | $2,289 |
| Bolton | $2,197 |
| Botsford | $2,490 |
| Bozrah | $2,661 |
| Branford | $3,426 |
| Branford Center | $3,428 |
| Bridgeport | $3,122 |
| Bridgewater | $2,230 |
| Bristol | $2,179 |
| Broad Brook | $2,288 |
| Brookfield | $2,283 |
| Brooklyn | $2,148 |
| Burlington | $2,224 |
| Byram | $2,588 |
| Canaan | $2,223 |
| Canterbury | $2,170 |
| Canton | $2,220 |
| Canton Center | $2,358 |
| Canton Valley | $2,221 |
| Centerbrook | $3,001 |
| Central Village | $2,154 |
| Chaplin | $2,174 |
| Cheshire | $2,573 |
| Cheshire Village | $2,572 |
| Chester | $2,777 |
| Chester Center | $2,778 |
| Clinton | $3,683 |
| Cobalt | $3,130 |
| Colchester | $2,669 |
| Colebrook | $2,245 |
| Collinsville | $2,221 |
| Columbia | $2,209 |
| Conning Towers Nautilus Park | $3,496 |
| Cornwall Bridge | $2,225 |
| Cos Cob | $2,625 |
| Coventry | $2,202 |
| Coventry Lake | $2,213 |
| Cromwell | $2,417 |
| Crystal Lake | $2,180 |
| Danbury | $2,284 |
| Danielson | $2,163 |
| Darien | $2,761 |
| Dayville | $2,159 |
| Deep River | $3,012 |
| Deep River Center | $3,014 |
| Derby | $2,458 |
| Durham | $2,525 |
| East Berlin | $2,348 |
| East Brooklyn | $2,148 |
| East Canaan | $2,220 |
| East Glastonbury | $2,409 |
| East Granby | $2,245 |
| East Haddam | $2,559 |
| East Hampton | $2,466 |
| East Hartford | $2,253 |
| East Hartland | $2,254 |
| East Haven | $3,340 |
| East Killingly | $2,282 |
| East Lyme | $3,468 |
| East Windsor | $2,232 |
| East Windsor Hill | $2,401 |
| East Woodstock | $2,270 |
| Eastford | $2,195 |
| Easton | $2,336 |
| Ellington | $2,193 |
| Enfield | $2,224 |
| Essex Village | $3,038 |
| Fabyan | $2,273 |
| Fairfield | $2,815 |
| Falls Village | $2,298 |
| Farmington | $2,225 |
| Gales Ferry | $3,281 |
| Gaylordsville | $2,334 |
| Georgetown | $2,636 |
| Gilman | $2,785 |
| Glastonbury | $2,236 |
| Glastonbury Center | $2,237 |
| Glenville | $2,614 |
| Goshen | $2,225 |
| Granby | $2,261 |
| Greens Farms | $2,667 |
| Greenwich | $2,561 |
| Grosvenor Dale | $2,273 |
| Groton | $3,599 |
| Groton Long Point | $3,728 |
| Guilford | $3,396 |
| Guilford Center | $3,537 |
| Haddam | $2,541 |
| Hadlyme | $2,961 |
| Hamden | $2,667 |
| Hampton | $2,152 |
| Hanover | $3,070 |
| Hartford | $2,687 |
| Harwinton | $2,203 |
| Hawleyville | $2,448 |
| Hazardville | $2,222 |
| Hebron | $2,205 |
| Heritage Village | $2,573 |
| Higganum | $2,536 |
| Ivoryton | $3,004 |
| Jewett City | $2,507 |
| Kensington | $2,234 |
| Kent | $2,236 |
| Killingworth | $2,862 |
| Lake Pocotopaug | $2,471 |
| Lakeside | $2,348 |
| Lakeville | $2,263 |
| Lebanon | $2,569 |
| Ledyard | $3,222 |
| Litchfield | $2,247 |
| Long Hill | $3,602 |
| Madison | $3,484 |
| Madison Center | $3,621 |
| Manchester | $2,269 |
| Mansfield Center | $2,195 |
| Mansfield Depot | $2,320 |
| Marion | $2,404 |
| Marlborough | $2,285 |
| Mashantucket | $2,804 |
| Meriden | $2,536 |
| Middle Haddam | $2,625 |
| Middlebury | $2,524 |
| Middlefield | $2,522 |
| Middletown | $2,538 |
| Milford | $3,339 |
| Milldale | $2,365 |
| Monroe | $2,292 |
| Montville | $2,735 |
| Moodus | $2,584 |
| Moosup | $2,152 |
| Morris | $2,254 |
| Mystic | $3,547 |
| Naugatuck | $2,503 |
| New Britain | $2,324 |
| New Canaan | $2,324 |
| New Fairfield | $2,325 |
| New Hartford | $2,213 |
| New Hartford Center | $2,212 |
| New Haven | $3,483 |
| New London | $3,557 |
| New Milford | $2,189 |
| New Preston | $2,248 |
| New Preston Marble Dale | $2,387 |
| Newington | $2,182 |
| Newtown | $2,335 |
| Niantic | $3,654 |
| Noank | $3,626 |
| Norfolk | $2,237 |
| North Branford | $3,028 |
| North Canton | $2,443 |
| North Franklin | $2,576 |
| North Granby | $2,267 |
| North Grosvenor Dale | $2,172 |
| North Haven | $2,683 |
| North Stonington | $3,049 |
| North Westchester | $3,164 |
| North Windham | $2,154 |
| Northfield | $2,265 |
| Northford | $2,826 |
| Northwest Harwinton | $2,202 |
| Norwalk | $2,895 |
| Norwich | $2,529 |
| Oakdale | $2,614 |
| Oakville | $2,229 |
| Old Greenwich | $2,647 |
| Old Lyme | $3,322 |
| Old Mystic | $3,417 |
| Old Saybrook | $3,696 |
| Old Saybrook Center | $3,800 |
| Oneco | $2,277 |
| Orange | $3,047 |
| Oxford | $2,554 |
| Oxoboxo River | $2,618 |
| Pawcatuck | $3,581 |
| Pemberwick | $2,613 |
| Pequabuck | $2,343 |
| Pine Meadow | $2,365 |
| Plainfield | $2,166 |
| Plainfield Village | $2,166 |
| Plainville | $2,207 |
| Plantsville | $2,222 |
| Plymouth | $2,205 |
| Pomfret Center | $2,152 |
| Poquonock | $2,389 |
| Poquonock Bridge | $3,614 |
| Portland | $2,508 |
| Preston | $2,642 |
| Prospect | $2,606 |
| Putnam | $2,163 |
| Quaker Hill | $3,388 |
| Quinebaug | $2,228 |
| Redding | $2,283 |
| Redding Center | $2,455 |
| Redding Ridge | $2,456 |
| Ridgefield | $2,257 |
| Riverside | $2,625 |
| Riverton | $2,378 |
| Rockfall | $2,596 |
| Rockville | $2,191 |
| Rocky Hill | $2,233 |
| Rogers | $2,301 |
| Roxbury | $2,242 |
| Salem | $2,574 |
| Salisbury | $2,252 |
| Salmon Brook | $2,261 |
| Sandy Hook | $2,359 |
| Saybrook Manor | $3,800 |
| Scotland | $2,283 |
| Seymour | $2,518 |
| Sharon | $2,274 |
| Shelton | $2,315 |
| Sherman | $2,292 |
| Sherwood Manor | $2,224 |
| Simsbury | $2,200 |
| Simsbury Center | $2,201 |
| Somers | $2,183 |
| Somersville | $2,322 |
| South Britain | $2,685 |
| South Coventry | $2,213 |
| South Glastonbury | $2,240 |
| South Kent | $2,255 |
| South Lyme | $2,903 |
| South Willington | $2,329 |
| South Windham | $2,225 |
| South Windsor | $2,208 |
| South Woodstock | $2,227 |
| Southbury | $2,574 |
| Southington | $2,236 |
| Southport | $2,858 |
| Southwood Acres | $2,224 |
| Stafford Springs | $2,214 |
| Staffordville | $2,331 |
| Stamford | $2,638 |
| Sterling | $2,196 |
| Stevenson | $2,602 |
| Stonington | $3,530 |
| Storrs | $2,177 |
| Storrs Mansfield | $2,177 |
| Stratford | $3,211 |
| Suffield | $2,228 |
| Taconic | $2,348 |
| Taftville | $2,538 |
| Tariffville | $2,202 |
| Terramuggus | $2,285 |
| Terryville | $2,241 |
| Thomaston | $2,174 |
| Thompson | $2,183 |
| Thompsonville | $2,224 |
| Tolland | $2,185 |
| Torrington | $2,147 |
| Trumbull | $2,367 |
| Uncasville | $2,618 |
| Unionville | $2,144 |
| Vernon Rockville | $2,193 |
| Versailles | $2,744 |
| Voluntown | $2,565 |
| Wallingford | $2,609 |
| Wallingford Center | $2,609 |
| Washington | $2,235 |
| Washington Depot | $2,257 |
| Waterbury | $2,774 |
| Waterford | $3,502 |
| Watertown | $2,246 |
| Wauregan | $2,159 |
| Weatogue | $2,202 |
| West Cornwall | $2,238 |
| West Granby | $2,267 |
| West Hartford | $2,257 |
| West Hartland | $2,423 |
| West Haven | $3,226 |
| West Mystic | $3,243 |
| West Simsbury | $2,204 |
| West Suffield | $2,227 |
| Westbrook | $3,738 |
| Westbrook Center | $3,866 |
| Weston | $2,252 |
| Westport | $2,825 |
| Wethersfield | $2,226 |
| Willimantic | $2,156 |
| Willington | $2,191 |
| Wilton | $2,254 |
| Wilton Center | $2,253 |
| Winchester Center | $2,350 |
| Windham | $2,166 |
| Windsor | $2,251 |
| Windsor Locks | $2,256 |
| Winsted | $2,240 |
| Wolcott | $2,558 |
| Woodbridge | $2,685 |
| Woodbury | $2,231 |
| Woodbury Center | $2,231 |
| Woodmont | $3,409 |
| Woodstock | $2,214 |
| Woodstock Valley | $2,364 |
| Yantic | $3,142 |
Insurance challenges unique to Connecticut homeowners
Homeowners should choose coverage that fits their specific property and risks. In Connecticut, you may want to pay special attention to a few state-specific insurance concerns.
Older homes can cost more to rebuild
Connecticut has the oldest housing stock in the country. Homes in the state are 56 years old, on average. Because many were built before modern building codes existed, rebuilding or repairing them can be expensive.
Ordinance or law coverage, which is usually an add-on, pays to help bring older houses up to code after a covered claim. However, Connecticut is unusual as it’s one of the few states that requires most standard homeowners insurance policies to include some ordinance or law coverage.
That said, homeowners with older homes may still want higher coverage limits, since the standard amount included in a policy may not fully cover expensive upgrades.
Harsh winters can increase water damage risk
Connecticut homeowners may want to consider paying for water backup coverage. Rapid snowmelt or rains can overload sewer systems and sump pumps, especially when the ground is still frozen. This can cause water to come back up through your drains.
Water backup covers damage caused by water that enters your home through drains, toilets or through a failed sump pump. So if a backed-up drain causes your basement to flood, water backup coverage will help pay to clean it up.
Flooding isn’t covered by homeowners insurance
Standard homeowners insurance typically only covers water damage that is sudden and accidental, like a burst pipe. Homeowners insurance does not cover water damage inside your home caused by outside flooding. For that, you need a separate flood insurance policy.
Flood insurance is available through private insurance companies and the NFIP (National Flood Insurance Program). You can check whether you live in a flood zone using the Federal Emergency Management Agency’s flood map, but even homeowners who don’t live in a high-risk area might want to consider a policy.
How to compare homeowners insurance in Connecticut
To find the best and most affordable insurance for you, here’s what to look for when comparing quotes:
- Coverage limits: Your dwelling limit should cover 100% of what it would cost to repair or replace your home in today’s market. Insurance companies can help you estimate this.
- Deductibles: A deductible is what you pay out of pocket before coverage kicks in. You should be able to afford your deductible with no notice, but the lower your deductible, the higher your premium.
- Exclusions: Pay attention to what the policy won’t cover and what you might have to buy separately. Standard homeowners insurance does not cover floods. Insurance companies may also place restrictions on coverage for older plumbing, roofs or heating systems, which can affect both your quote and future claims.
- Add-ons: Each company has its own list of optional coverages. One might offer water backup while another won’t. Stick to companies that offer the specific endorsements you need to be properly protected.
Always make sure you’re making an apples-to-apples comparison and that all of your quotes have roughly the same coverage selections and limits. And if you own one or more vehicles, consider bundling your home and auto insurance. Many insurance companies offer big discounts for this.
How LendingTree helps you find the right policy
Shopping for home insurance isn’t always straightforward, especially when availability and pricing can vary widely. LendingTree makes it easier by helping you explore options from multiple insurers, so you can find coverage that fits your home, location and budget.
How it works
Tell us about your home
Answer a few quick questions about your home, location and coverage needs.
Compare options from insurers
See quotes and typical rates from insurers that offer coverage in your area.
Choose the right policy
Review your options and pick the coverage that fits your needs and budget.
Frequently asked questions
The average cost of homeowners insurance in CT is $2,662 annually, which is $139 less than the national average. Your premium will vary depending on your house, the coverage you choose and your claims history, but this information can serve as a good baseline as you’re shopping for coverage.
No, homeowners insurance is not legally required in CT. However, homeowners insurance is often required when you have a mortgage. That means if you are making payments on your house, you must have home insurance.
If you’re unable to find a homeowners insurance company, then you may be a candidate for the CT FAIR Plan, or Fair Access to Insurance Requirements Plan.
This state-run program is designed to be the last option for people who can’t qualify for homeowners insurance through the private market. For more information, you’ll need to contact a licensed CT agent.
Methodology
How we chose the best insurance companies in Connecticut
The rates shown in this article are based on an analysis of nonbinding quotes obtained in February 2026 from Quadrant Information Services for sample homes in every Connecticut ZIP code. Unless otherwise noted, policies include:
- Dwelling coverage: $400,000
- Other structures: $40,000
- Personal property: $200,000
- Loss of use: $80,000
- Personal liability: $100,000
- Guest medical payments: $5,000
- Deductible: $1,000
For third-party customer service ratings, we included NAIC’s Complaint Index scores and financial strength ratings from A.M. Best. NAIC Complaint Index scores are used to determine how satisfied customers are with their claims, while financial strength ratings from A.M. Best reflect the ability to pay out claims.
How we create LendingTree ratings
Our team of insurance experts evaluates insurance companies across several categories, including average rates, discounts, coverage options, third-party customer service ratings and app/website experience. We use this information to create LendingTree ratings, which help us identify and recommend the best insurance companies for consumers.
See our full editorial guidelines for further details.
*USAA is only available to current and former members of the military and their families.