It is important to have homeowners insurance, especially if you own a home. Your investment can be protected by a homeowner's policy against theft, fire and other natural disasters.
Liability coverage is also a good idea for homeowners to protect their properties. Liability coverage covers bodily injury and property damage you cause others as well as the legal fees you incur if you are sued.
Get a Quote for Homeowners' Insurance in CT
Several factors can affect the cost of your homeowners insurance. The cost of homeowners insurance can vary depending on the ZIP code you have, your credit rating and the value your house. When comparing quotes you should consider the weather in your region and the crime risks.
Connecticut homeowners insurance costs an average of $1,425 per year. Taking advantage discounts can help you reduce your insurance rate. You can get a homeowners insurance quote in CT online or at local agencies.
Best Homeowners Insurance Connecticut
Standard homeowners insurance covers your home's contents and basic structures, such as fences, gazebos, garages, sheds, etc. Optional coverages can be added to your policy for additional protection.
Coverage A: Dwelling: This pays to repair or replace your home's structure, fixtures and systems if they're damaged in a covered loss, such as a fire.
Included in this coverage are your roof, drywall and wiring, as well as electrical components. Additional coverages, like flood and earthquake, can be added to your policy.
Coverage B - Other Structures : This covers other structures in your home, like a carport, gazebo or shed, that could be damaged by an insured risk.
Included in this category are detached garages, fences, and sheds.
Connecticut homeowners also have coverage for personal property. This covers your items at home. Liability can help pay for a settlement if a guest inflicts injury or property damage on your premises.
In the event of a covered claim, having the right insurance is crucial to avoiding a financial catastrophe.
After a covered loss, a reputable insurance company can be the difference between life and death. The best home insurance providers are those with comprehensive coverage, and exceptional customer service.
The top companies for home insurance in CT are those with strong financial ratings and high customer satisfaction scores. Chubb USAA Amica Mutual Lemonade and Amica Mutual are among the top insurance companies in CT.
Complaints Index
The National Association of Insurance Commissioners is responsible for collecting complaints and rating companies. A company with a lower Complaint Index will have more confirmed complaints.
Customer Satisfaction
Customers can rate their overall satisfaction with an insurance provider by submitting surveys about interaction, policy options, pricing, billing and claims. USAA scored 884 points out of 1,000, while Chubb had the lowest score.