How to save money on Connecticut home insurance


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UPDATED: 2020-05-15T17:22:42.513Z
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A Connecticut home in the fall season with Connecticut home insurance.

Are you a homeowner or searching to buy a home in Connecticut? Connecticut home insurance is a valuable protection to have to protect your investment and there are many ways you can save money on your policy.

From shopping around to bundling, this blog outlines how much Connecticut home insurance costs and potential savings available to you.

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How much does homeowners insurance cost in Connecticut?

While there is not a standard, set price on homeowners insurance in Connecticut, It can range from as low as $800 to a few thousand dollars per year. In the table below, you can see the average annual Connecticut home insurance cost from some of the most popular home insurance companies in CT.

Company Average rates for $200K dwelling Average rates for $400K dwelling
Allstate Insurance $824 $1,669
Amica Insurance $804 $1,498
Chubb Group of Insurance Companies $1,306 $2,380
State Farm Insurance Company $778 $1,209
Travelers Companies, Inc. $1,815 $3,212

These rates are based on a $200,000 and $400,000 dwelling with the following coverage limits: $100,000/$200,000 personal property, $20,000/$40,000 loss of use, $20,000/$40,000 other structures, $300,000 liability and $5,000 medical. The policy has a $1,000 deductible. The houses used for the profiles were constructed in 2004 and the individual had an excellent credit score. All rates displayed should only be used for comparative purposes as individual rates will differ. Rate data is provided by Quadrant Information Services.

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What affects the cost of Connecticut home insurance?

The cost of home insurance in Connecticut depends on many factors including the following:

  • The level of coverage required
  • Your credit score
  • The condition of your home
  • The proximity of your home to a fire station
  • The amount of your Connecticut home insurance deductible
  • Your home’s location
  • The square footage of your Connecticut home
  • The type of house you have and your home’s construction materials

Visit Clearsurance's Connecticut home insurance ranking to find the best and cheapest Connecticut home insurance and to get connected with top-customer rated insurance companies in your zip code.

How can I save money on Connecticut homeowners insurance?

There are many ways to save money on homeowners insurance in Connecticut. However, it is important to note that some of these strategies may not be applicable to every homeowner.

Bundling your insurance: car, home, etc.

If you have not already looked into combining your insurance policies across car, home, and other policies, now would be an excellent time to do so. Most insurance carriers have options to bundle as it is typical to combine both auto and home insurance policies.

To see which companies are the best insurance companies for bundling in your zip code according to customers, you can visit Clearsurance’s bundled home and car rankings page.

Shop around, get multiple quotes, and compare rates

Have you ever considered shopping around for homeowners insurance?

Shopping around could save you a significant amount of money on your Connecticut home insurance. If you are unsatisfied with your homeowners policy, you may want to research other insurance carriers to evaluate the rates of their homeowners insurance policies. It’s also a good idea to shop around if you haven’t in awhile because you could save money by switching to a different carrier.

By comparing homeowners insurance rates throughout Connecticut, you will stay well informed on the range of prices for homeowners insurance policies. Additionally, by comparing prices, you may discover additional benefits or perks that you would miss out on if you were to stay with your current carrier.

Improve your credit score.

If you are able to improve your credit score, you could see an improvement in the price of your insurance. If you have a better credit score, it is likely your insurance bill will be lower. Make sure to pay your bills on time and, if you can, pay them in full each month. This will not only benefit you financially, but it will also raise your credit score. This could lead to a lower homeowners insurance bill.

It’s important to stay aware of ways to save money on your homeowners insurance. By comparing prices often and researching benefits and perks of other companies, you may be able to save money on your insurance for your home in Connecticut.

Homeowners insurance will protect you during a time of need, so acquiring insurance will be beneficial for you down the road. There are multiple ways of saving money on homeowners insurance in Connecticut, whether that be by shopping around or bundling your policies. It also would be helpful to you to reach out to your insurance agent to see if there are any discounts or benefits you could be qualified for.

If you are considering purchasing homeowners insurance in Connecticut, visit Clearsurance’s home insurance rankings page to view the best and cheapest Connecticut home insurance for greater detail on how you can save more money.

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The content on this site is offered only as a public service to the web community and does not constitute solicitation or provision of legal advice. This site should not be used as a substitute for obtaining legal advice from an insurance company or an attorney licensed or authorized to practice in your jurisdiction. You should always consult a suitably qualified attorney regarding any specific legal problem or matter. The comments and opinions expressed on this site are of the individual author and may not reflect the opinions of the insurance company or any individual attorney.

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