Connecticut homeowners insurance

Homeowners in Connecticut may face challenges throughout the year common to coastal areas in the Northeast. Hurricanes and tropical storms can bring intense rainfall and wind to those living in coastal cities like New Haven and Bridgeport. The mountainous region can experience icy winter weather that may cause property damage and power outages. Homeowners insurance through Progressive may protect your home's structure from severe weather and other perils at an affordable cost.

3 min to read

Explore Progressive's editorial standards for Answers articles to find out why you can trust the insurance information you find here.

How you're covered

A typical policy in Connecticut may include the following homeowners insurance coverages:

Dwelling coverage (Coverage A) protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
Other structures coverage (Coverage B) protects detached structures, such as a fence, shed, or detached garage.
Personal property coverage (Coverage C) protects your personal belongings, including furniture, clothing, and electronics. Certain items, like jewelry, art, and collectibles, are often only covered up to a specific limit so you may want to purchase an endorsement to schedule these items on your policy at the coverage amount needed, also known as "adding a rider."
Loss of use coverage (Coverage D) may help cover costs associated with an increase in living expenses, up to your policy's limit, if you're unable to stay in your home while it's being repaired or rebuilt due to a covered loss.
Personal liability coverage (Coverage E) protects you financially if you're legally responsible for another person's injuries or damage to their property.
Medical payments to others (Coverage F) may pay for medical expenses due to a covered occurrence.

Keep in mind, coverage under your policy is subject to exclusions and conditions within your policy. It's important to read your policy to understand the coverage provided.

Did you know?

Connecticut has felt the effects of many major named storms, including Hurricane Sandy in 2012. For coastal homeowners, it's important to be aware that you may have a separate deductible on your homeowners policy for hurricane, or wind and hail damage. Learn how homeowners insurance may protect against damage from a hurricane or windstorm.

More ways to stay covered in Connecticut

In some cases, you can buy extra protection by adding coverage to your homeowners policy or purchasing a separate policy. If available, you may want to consider:

Flood: Flooding is not typically covered under a homeowners policy. If you're concerned about flooding in your area, a private flood insurance policy or NFIP, where available, may help protect your property and belongings against flood damage.
Umbrella: An umbrella policy may help protect your assets if you exceed the personal liability coverage on your homeowners policy.
Sump pump: Sewage back-up or sump pump overflows aren't typically one of the standard coverages automatically included with homeowners insurance. Adding water back-up coverage as on optional coverage, if available, may help in the event of sewage back-up or sump pump overflow due to heavy storms.

How much is homeowners insurance in Connecticut?

Progressive homeowners policies in Connecticut had an average monthly price of $130.91 or $1570.89 for an annual policy in 2023.^* Your cost will be based on several factors, including type of home, roof construction, and coverage limits. Location can also impact your rate, as coastal areas can be considered at higher risk for storm damage.

Learn more about factors affecting homeowners insurance rates.

Helping you save on homeowners insurance in Connecticut

Take advantage of discounts to help you save on your premium. Bundling homeowners and auto insurance can qualify you for a multi-policy discount. Other homeowners insurance discounts are available for paying in full, installing safety and alarm systems, and quoting your policy in advance. Learn more ways to help lower your homeowners insurance rate.

There may also be discounts that are only available in your state or county. Call 1-866-749-7436 or contact your agent to help ensure you're getting all applicable discounts.

See Connecticut homeowners insurance rates

Progressive's HomeQuote Explorer® lets you find the right policy for you and your home.

Is homeowners insurance required by law in Connecticut?

Homeowners insurance in Connecticut is not required by law, but if you have a mortgage, your lender will likely require you to have a homeowners insurance policy in place. If you own your home outright, homeowners insurance is still important — your home is likely your most valuable asset and should be protected.