Connecticut Homeowners Insurance Coverage

From historic Victorians in the Hartford area to rolling estates in Fairfield County, with a Farmers Smart Plan Home® policy you can choose quality coverage for your Connecticut lifestyle today, with many ways to help you save.

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Is homeowners insurance required in Connecticut?

No, homeowners insurance is not required by law in Connecticut. However, in order to get a home loan, your mortgage lender will likely require you to obtain a certain amount of insurance coverage.

How much does homeowners insurance generally cost in Connecticut?

The average premium for home insurance coverage in Connecticut is $1,582 per year1, according to a 2020 report (the most recent data available) by the National Association of Insurance Commissioners (NAIC). However, insurance costs in most states have changed since then. Also, the amount you pay may be different depending on things like the value and age of your home, how much personal property you want to cover, what deductible you choose and risks specific to your area.

What is covered by homeowners insurance in Connecticut?

Every policy is different, but home insurance policies in Connecticut typically come with several standard coverages.

  • Dwelling (Coverage A). This coverage helps you pay for damage to your home from a covered event, such as a fire, windstorm, lightning or hail.

  • Other structures (Coverage B). This coverage is intended to help cover structures that aren’t connected to your home, like a fence or shed.

  • Personal property (Coverage C). This coverage helps you repair or replace your personal belongings if they are stolen or damaged.

  • Loss of use, or additional living expense coverage (Coverage D). This coverage can help you pay to stay somewhere else if your home is uninhabitable due to covered damage.

  • Personal liability (Coverage E). This coverage helps pay for accidental property damage or injuries you cause through negligence.

Typical home insurance policies in Connecticut cover damage caused by events such as:

  • Fire
  • Vandalism and theft
  • Lightning strikes
  • Wind
  • Hail
  • Explosions
  • Falling objects
  • The weight of snow or ice

Flooding is not covered. However, special flood insurance through the National Flood Insurance Program (NFIP) may be available. 

Home insurance coverage options in Connecticut

Farmers® gives you multiple options for covering your home and personal property. You can customize your policy to suit your lifestyle and dwelling type:

  • Single-family home
  • Condo 
  • Seasonal or vacation
  • Older home

Learn more about Smart Plan Home coverage

Connecticut home insurance discounts

Farmers offers a variety of savings opportunities for eligible home insurance customers in Connecticut, including:

  • Multi-policy
  • Protective devices
  • Non-smoker

See more information and additional discounts that may be available in Connecticut.

American Robin

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Not all robins migrate south for the winter. Some of them gamble that Connecticut’s winter will be mild enough for them to find food despite the usual snow. — National Audubon Society

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Learn From Experience

Read real-life stories about insurance, renovations, home safety and more from pros and homeowners like you.

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Does Home Insurance Cover Plumbing?

The purpose of home insurance is to cover damage caused by sudden, accidental events like a storm, fire or falling object. Since most plumbing troubles are maintenance issues, they are not usually covered by home policies.

Buying Home Insurance? Make Sure Your Valuables Are Covered

It all comes down to knowing the right questions to ask. When buying a homeowners policy, it's important to ask is about the limitations and exclusions.

1 Based on average premium for HO-3 type open perils homeowners policies.