How you're covered
Connecticut doesn't require homeowners insurance by law, but if you finance your home, your lender may require you to have a homeowners insurance policy in place. Your policy's coverages are designed to safeguard your property and assets. A typical policy will include the following:
- Dwelling coverage protects your home's structure (roof, walls, etc.) as well as attached structures, like a porch.
- Other structures coverage protects detached structures, such as a fence or shed.
- Personal property coverage 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."
- Personal liability coverage protects you financially if you're legally responsible for another person's injuries or damage to their property.
- Medical payments to others pays for medical expenses due to a covered occurrence.
- Loss of use coverage helps 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.
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.
Learn more about homeowners insurance coverages.
Common claims in Connecticut
Severe weather can be an issue in any northern, coastal state. If your roof is damaged by a severe ice storm or a windstorm destroys your garage, your home insurance policy may cover damage, up to your policy's limits (minus your deductible).
Discover how home insurance may cover storm damage.
If you live along the Atlantic Coast or the Connecticut River, rising water levels can cause flooding issues for nearby homes. A flood insurance policy may protect your property and belongings against flood damage.
Helping you save
Progressive offers several discounts to help you save on homeowners insurance policies. Some of the most common discounts include:
- Alarm system
- Quote in advance
- New purchase
See more about the home insurance discounts we offer.
How much is homeowners insurance in Connecticut?
Your cost for Connecticut homeowners insurance varies based on many components, including your location, type of home, and coverage limits. Learn more about factors affecting home insurance pricing.
Are you looking to rent out a home you own in Connecticut?
Fast facts about homes in Connecticut
Connecticut has a reputation for being expensive. In Greenwich, the average home price is 809% higher than the national average.
Connecticut has a homeownership rate of 66.1% which is above the national average.
One of America's oldest continuously operated inns is found in Middlesex County, CT. The Griswold Inn, dubbed "Gris" for short, is a maritime-themed inn that opened its doors in 1776.