Best and Cheapest Renters Insurance C.T. Has to Offer as Rated by Customers in 2024

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#1
/40
5.00 ★★★★★
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Excellent
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#2
/40
4.84 ★★★★★
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Excellent
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#3
/40
USAA
4.76 ★★★★★
4.76 ★★★★★
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Excellent
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#4
/40
the hartford
4.60 ★★★★★
4.60 ★★★★★
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Excellent
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#5
/40
4.22 ★★★★★
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#6
/40
AAA
4.22 ★★★★★
4.22 ★★★★★
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Excellent
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#7
/40
4.19 ★★★★★
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#8
/40
4.13 ★★★★★
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#9
/40
allstate
4.11 ★★★★★
4.11 ★★★★★
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Excellent
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#10
/40
Nationwide
4.08 ★★★★★
4.08 ★★★★★
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Excellent
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#11
/40
4.05 ★★★★★
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Rated Prices
Excellent
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#12
/40
4.01 ★★★★★
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Rated Prices
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#13
/40
4.00 ★★★★★
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Rated Prices
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#14
/40
3.96 ★★★★★
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#15
/40
3.90 ★★★★★
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#16
/40
3.81 ★★★★★
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#17
/40
3.72 ★★★★★
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#18
/40
MetLife, Inc.
3.69 ★★★★★
3.69 ★★★★★
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#19
/40
3.59 ★★★★★
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Rated Prices
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#20
/40
3.54 ★★★★★
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#21
/40
3.50 ★★★★★
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#22
/40
Assurant
3.25 ★★★★★
3.25 ★★★★★
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#23
/40
Toggle
2.87 ★★★★★
2.87 ★★★★★
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Excellent
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#24
/40
MAPFRE Insurance
1.83 ★★★★★
1.83 ★★★★★
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#25
/40
1.70 ★★★★★
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#26
/40
UPC Insurance
1.39 ★★★★★
1.39 ★★★★★
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Excellent
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#27
/40
0.90 ★★★★★
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#28
/40
Providence Mutual
5.00 ★★★★★
5.00 ★★★★★
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Excellent
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#29
/40
Property Protect
4.19 ★★★★★
4.19 ★★★★★
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Excellent
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#30
/40
3.83 ★★★★★
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#31
/40
Quilt Insurance
3.26 ★★★★★
3.26 ★★★★★
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#32
/40
2.43 ★★★★★
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#33
/40
1.50 ★★★★★
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Rated Prices
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#34
/40
0.90 ★★★★★
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Rated Prices
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#35
/40
0.00 ★★★★★
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Rated Prices
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#36
/40
0.00 ★★★★★
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Rated Prices
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#37
/40
0.00 ★★★★★
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Rated Prices
Excellent
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#38
/40
0.00 ★★★★★
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Rated Prices
Excellent
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#39
/40
0.00 ★★★★★
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Would recommend to a friend
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Rated Prices
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#40
/40
Berkley One
0.00 ★★★★★
0.00 ★★★★★
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Rated Prices
Excellent
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You may assume you don’t need renters insurance because you’re covered by your landlord’s insurance, but that’s not entirely true. While your landlord has insurance to cover the structure of your apartment or building, you still need renters insurance to cover your personal belongings and to have liability coverage.

So if you want to ensure you’re properly covered while renting, it’s important to find one of the best Connecticut renters insurance companies. But where do you start? In the table above, you can sort through all the renters insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the thousands of ratings provided by customers. Note: Only those companies with at least 25 renters insurance reviews are eligible to appear in the best Connecticut renters insurance rankings.

Interested in learning more about one of the companies on the list of the best renters insurance companies in Connecticut? You can visit the company’s profile page to find more information about the company and read reviews to learn from the experiences of other policyholders.

On this page:

What are your coverage options on a renters insurance policy?

Just like any other policy, you can usually customize your renters insurance coverage to get exactly what you need. Most policies contain some form of the following coverages:

  • Personal property coverage – This coverage pays the replacement cost for the personal items you keep in your apartment should they be damaged or destroyed.
  • Liability coverage – This coverage pays for medical expenses if someone is injured in your apartment.
  • Loss of use coverage – Loss of use pays for your hotel and food expenditures when you are unable to stay in your apartment because of damages. This may also be called additional living expenses coverage.

Beyond these basic coverage options, you may also be able to purchase identity theft protection, guest medical coverage, and other optional coverages.

Who offers the best Connecticut renters insurance rates?

Out of the most popular renters insurance companies in Connecticut, Allstate offers the cheapest rates, on average, for Connecticut renters.

In Connecticut, renters insurance rates vary based on many things including the value of your personal belongings and the company you choose. Some companies may offer renters insurance in Connecticut for a cheaper rate than others. In the table below, you can see the average cost of renters insurance in Connecticut with some of the largest companies in the state.

Company Average renters insurance rates
Allstate $91.94
USAA* $102.05
Amica $110.94
State Farm $118.40
Chubb $152.04
Safeco $154.33
Travelers $169.92
Farmers $212.99
Encompass $239.89

*USAA is only available to former and active military members and their families.

These average renters insurance rates are based on a policy with $30,000 in personal property coverage (with a $500 deductible), $100,000 in personal liability and $1,000 in medical payments to others. The rates displayed should only be used for comparative purposes as individual rates in Connecticut will differ. Rate data is provided by Quadrant Information Services.

How much does rent cost in New Haven?

On average, rent in New Haven, Connecticut, costs $1,560 per month. The cost to rent an apartment in New Haven can differ based on your location and the size of your apartment.

New Haven is home to the ivy league school, Yale University. The city is also known for its architecture and cuisine. While it costs an average of $1,560 per month to rent an apartment in New Haven, the cost can vary based on the location in the city. Downtown New Haven is typically the most expensive part of the city with an average monthly rent cost of $1,739, but apartments on East Shore cost an average of $1,155 per month.

Another factor that determines the price of rent is the type of apartment. Studio apartments in New Haven cost an average of $1,210 monthly and one-bedroom apartments cost and average of $1,513 monthly while three-bedroom apartments cost an average of $1,991 monthly. Something else for renters to consider is renters insurance. This coverage protects your personal belongings from perils like theft or fire and is typically affordable.

Should college students in Connecticut get renters insurance?

Connecticut schools may be a popular choice for students in the New England area. Connecticut has many private and public schools scattered across the state, including Yale, UCONN and Quinnipiac. Many college students live in dorms or rent apartments in the state. There are a few things for college students renting housing in Connecticut to consider in order to protect their personal belongings.

Typically, college students who live in dorms located on the college campus are covered by their parents homeowners insurance policy. That’s usually only the case for students who live on campus, though. Connecticut college students who rent apartments off campus should consider a renters insurance policy because their items won’t be covered under their parents’ policy, and without a renters insurance policy, they won’t have any protection.

College students will most likely have roommates in the apartment they rent, but it’s not advised that students share a renters policy with roommates. Instead, each student should have their own policy.

What are Connecticut's property crime statistics?

Theft and vandalism or malicious mischief are among the 16 perils a standard renters insurance policy protects you from. So, how does crime in Connecticut compare to other states around the country? The FBI published the following statistics on crime in Connecticut for 2016:

  • Property crime - 64,664
  • Burglary - 10,045
  • Larceny theft - 47,512

All three statistics for Connecticut, when compared to the national average rate per 100,000 inhabitants, rank below the national average.

How can you lower your monthly premiums for renters insurance in Connecticut?

While renters insurance may be more affordable than other types of insurance, no one wants to pay more than they have to. So what are the different ways that you can lower your Connecticut renters insurance premium and have some extra spending money?. Here are the top 5 ways to save on your renters insurance:

  • Raise your deductible
  • Ask about potential discounts
  • Bundle your policies
  • Determine the value of your personal property
  • Pay in full by check

If you bundle your auto policy with homeowners or renters insurance policy with the same company, you will usually receive a multi-policy discount (this might also be available for bundling with other types of insurance, such as a life insurance policy or boat insurance policy). Some companies also offer discounts for safety features in your apartment, such as smoke detectors, or for setting up automatic payments.

Additional insurance discounts may be available, so make sure to ask renters insurance providers about your options when you're shopping around for quotes. If you're looking for the most affordable rate, get renters insurance quotes from at least three companies before making a decision.

How does Clearsurance rate and rank the best renters insurance companies in Connecticut?

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

What is a renters insurance guide?

As we mentioned above, there’s common misconceptions regarding what is and isn’t covered by a renters insurance policy. Before you purchase a policy from one of these best renters insurance companies in Connecticut, it’s important to understand what your policy covers. For example, did you know that many renters insurance policies include liability protection in the event a non-resident is injured on the property. Plus, if your apartment becomes uninhabitable from an incident, some policies may cover your expenses as you find temporary housing.

We want to make sure you’re equipped with a proper knowledge of renters insurance, so check out our renters insurance guide. Looking for more educational information about renters insurance? Check out our renters insurance blog for more information and topics related to renters insurance.

Frequently Asked Questions

#1 – Who offers the best Connecticut renters insurance rates?

Also one of the most popular options, Allstate is the renters insurance company that offers the cheapest rates in Connecticut.

#2 – How much does rent cost in New Haven?

On average, rent in New Haven, Connecticut, costs $1,560 per month. The cost to rent an apartment in New Haven can differ based on your location and the size of your apartment.

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