Homeowners Insurance in Connecticut

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Connecticut homeowners will need a homeowners insurance policy that keeps their home protected from fires, falling objects, winter weather, and more. If you’re ready to buy a homeowners insurance policy, you’ll need to go comparison shopping!  
Buying a house is a massive investment, and it’s a big deal to choose the place where you and your family will live for years. You’ll need a great homeowners insurance policy to protect your house from potential damages from fires, theft, storms, and more. 
Read on for home and car insurance broker Jerry’s guide to homeowners insurance in Connecticut.
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What is homeowners insurance? 

Homeowners insurance is a type of insurance coverage that protects your house, property, and belongings. With a homeowners policy, you’ll be reimbursed for losses and get help paying for repairs if the damage is caused by a named peril.
In the United States, the average homeowners insurance policy costs $1,387 per year. That’s $115 per month

Basic components of homeowners insurance

Your homeowners insurance policy should consist of the following: 
  • Coverage A (Structure): Repairs or replaces damage to the house.
  • Coverage B (Additional structures): Repairs or replaces damage to structures on the property, including fences, pools, and sheds. 
  • Coverage C (Personal property): Pays you back for stolen, lost, or destroyed property. This includes furniture, electronics, jewelry, and more. 
  • Coverage D (Additional expenses): Pays for your temporary living expenses if you are displaced by damage to your home. Also known as loss of use coverage.
  • Coverage E (Personal liability): Pays for litigation costs if someone is injured while on your property.
You can choose one of two levels of homeowners insurance, covering the home’s actual cash value (ACV) or the house’s replacement cost. The replacement cost is how much you’d need to pay to fully replace the property, regardless of its current value. Most providers require that insurance policies must cover at least 80% of the replacement cost.

Named perils

A homeowners insurance policy will not cover you for all potential damages. For example, damage caused by age or poor maintenance will not be covered by your policy. Nor is every type of natural disaster covered. Only named perils will be covered, which will be listed in your policy.
Most homeowners policies will cover you for these named perils:
  • Fire
  • Lightning 
  • Wind
  • Hail
  • Hurricanes
  • Damage caused by vehicles
  • Theft
  • Vandalism
  • Riots
  • Falling objects
  • Explosions

Is homeowners insurance required in Connecticut? 

Homeowners insurance is not required by law in Connecticut. However, many lenders will not give you a mortgage without property insurance coverage. 
Plus, going uninsured can lead to massive out-of-pocket repair payments or the complete loss of your house. 

How to get homeowners insurance

For homeowners searching for insurance coverage, the best way to get a great policy is to go comparison shopping. Comparison shopping is the act of looking at multiple insurance quotes from different providers to see where you can get the best price. Not all insurers will charge you the same rate, so comparison shopping is the only way to ensure you’re getting a great deal.
If the idea of comparison shopping seems daunting, maybe let insurance brokerage app Jerry help!
Those looking to save further can bundle their home and auto policies. Bundling multiple policies with one insurer can earn you savings of 15% or more
Connecticut homeowners will want coverage that protects them from tree damage, winter weather, and floods
Most insurance policies will keep you covered against damage from falling trees and winter storms. However, check with your insurance agent to make sure. You don’t want to be caught without proper coverage after an accident!
Flood insurance is a separate policy not included in homeowners insurance. Homeowners living in an area with high flood risk should invest in flood insurance, either through your main insurer or another company. 
Here are three strategies that can help you protect your home against possible flood damage: 
  • Water backup coverage can pay for water removal and repairs following a burst or backed-up pipe.
  • Flood insurance protects your home from flooding from a source outside of your home. You can get it through FEMA’s National Flood Insurance Program (FLIP) or a referral. 
  • An HO-5 or open perils policy covers any peril unless it’s specifically listed as an exclusion in your policy.

Why is homeowners insurance in Connecticut so expensive? 

Insurance rates are based on the price of your home, your personal demographics, and your credit history. But that’s not all—where you live also has an impact on your insurance rates. 
The average home insurance policy in Connecticut is around $1,200 a year or $100 a month. This is slightly below the national average. However, it’s still far from cheap. Here are a few reasons insurance in Connecticut is so expensive:

Weather

Heavy snow, superstorms, floods—there is plenty of inclement weather in Connecticut that can damage homes. Plus, with extreme weather events on the rise across the country, weather-related insurance claims are becoming more common.
When the number of claims increases, so do insurance costs.

Coastline

States with a lot of coastlines (like Connecticut) often have expensive insurance costs. This is because the Atlantic Ocean can cause flooding and heavy storms.
The higher the chance of a claim, the more your premium will be.

Homeowners insurance discounts in Connecticut

Don’t pay more than you need to. Take advantage of these popular insurance discounts in Connecticut:
DiscountHow to get it
BundlingBundling home and auto insurance with one insurance company can get you serious savings.
First homeAre you a first-time homeowner? There are discounts for new buyers.
Claims-freeIf you’ve avoided insurance claims for multiple years, you may be able to reduce your insurance rate.
Storm proofingPrevent storm damage by storm-proofing your home. This lowers the chance of a claim, earning you a discount.
SecurityAlarms and cameras can prevent theft and vandalism. You can get a discount for your security system.
Upgraded fire alarmA home equipped with a fire alarm that directly contacts the fire department may make you eligible for a discount.

How to save on home and auto insurance

Use insurance broker Jerry to find a great home insurance policy at a low price. After downloading the Jerry app and going through a fast, free sign-up process, you’ll be given access to dozens of competitive insurance quotes from a long list of top providers. Using these quotes, along with Jerry’s personalized recommendations, it’ll only take a few minutes to get your perfect policy. 
Once you’re ready to start your new policy, Jerry even helps with the paperwork!
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FAQs

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Despite the high flood risk, flood insurance is not required in Connecticut. Jerry recommends having a flood insurance policy if you live in a high-risk area, however.
On average, homeowners insurance policies in Connecticut cost around $1,200 a year or $100 a month. This is below the national average!

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