Homeowners Insurance in Connecticut

The average Connecticut homeowners premium is $2,036 a year (NAIC) — ▲ +17% versus the U.S. average of $1,737, ranking 9th of 51.

These are estimates, not quotes. Home figures are modeled from NAIC state averages, Census home values and FEMA hazard ratings for comparison only. Real premiums depend on the insurer, the home, its roof and claims history. We are not an insurance company or agency. How we estimate

Average homeowners and renters insurance in Connecticut

Homeowners (HO-3)

$2,036

NAIC average / year

Renters (HO-4)

$177

U.S. $173

Median home value

$366,900

Census ACS

FEMA expected loss rating

Relatively Low

all natural hazards

NAIC averages cover standard owner-occupied (HO-3) policies. Premiums scale with the cost to rebuild, so Connecticut's median home value of $366,900 and its exposure to wind, hail and wildfire explain much of the difference from other states.

Natural hazard risk in Connecticut

FEMA National Risk Index — expected annual loss by hazard (state level)
Hazard	Expected loss rating	Score	Expected annual loss
Hail	Very Low	18.9	$2,455,649
Tornado	Relatively Low	39.6	$22,864,455
Hurricane	Relatively Moderate	71.7	$184,139,339
Inland (river) flooding	Relatively Moderate	55.4	$858,483,239
Coastal flooding	Relatively Moderate	73.0	$31,060,815
Wildfire	Very Low	9.8	$312,851
Earthquake	Very Low	41.1	$36,895,449
Winter weather	Relatively Moderate	26.8	$2,666,658
Strong wind	Relatively Low	39.6	$16,318,552
Lightning	Very Low	17.3	$6,531,716

Standard homeowners policies exclude flood and earthquake; both need separate coverage. Wind and hurricane damage is covered but often with a separate percentage deductible in coastal states.

Home Insurance Estimator

Estimated annual premium

—

Per month

—

Estimated homeowners insurance by city

For a home at each city's median value, standard frame construction and a $1,000 deductible. The lowest estimate is in Waterbury ($1,275) and the highest in Stamford ($3,155).

City	Median home value	Median year built	Hail / wind	Est. premium
Bridgeport	$274,900	1955	Very Low / Relatively High	$1,535
Stamford	$624,400	1973	Relatively Low / Relatively High	$3,155
New Haven	$287,100	1954	Relatively Low / Relatively High	$1,695
Hartford	$228,600	1951	Relatively Moderate / Relatively Moderate	$1,420
Waterbury	$208,500	1959	Relatively Low / Relatively High	$1,275
Norwalk	$558,000	1967	Relatively Low / Relatively High	$2,885
Danbury	$411,200	1975	Relatively Low / Relatively High	$2,260
New Britain	$223,600	1956	Relatively Moderate / Relatively Moderate	$1,395

Car insurance in Connecticut →

Frequently asked questions

How much is homeowners insurance in Connecticut?

NAIC data puts the average Connecticut homeowners (HO-3) premium at $2,036 a year, ranking 9th of 51 (1 = most expensive). The national average is $1,737.

How much is renters insurance in Connecticut?

The NAIC average renters (HO-4) premium in Connecticut is $177 a year.

What natural hazards affect home insurance in Connecticut?

FEMA's National Risk Index does not rate any single hazard in Connecticut as relatively high for expected annual losses. Flood and earthquake still need separate policies.

Does homeowners insurance cover floods in Connecticut?

No. Standard homeowners policies exclude flood damage. Flood coverage is sold separately through the National Flood Insurance Program (NFIP) or private insurers.

How we estimate this

We start from the NAIC average homeowners (HO-3) premium for the state, scale it by the ratio of the home value to the state median home value (Census ACS), adjust for construction type and deductible, and apply a hazard factor from FEMA National Risk Index scores for the county relative to the state. Results are rounded estimates, not quotes. Read the full methodology.

Sources used on this page