Connecticut property insurance covers a home and its contents. It also provides protection against liability for any injuries or property damage you or any members of your family, including household pets, cause. Property insurance also pays temporary living expenses while living away from home because of a natural disaster.

A Connecticut home owners insurance policy covers most types of natural disasters including fire, hurricanes, hail and lightning and other events specified in the policy. Earthquake and flood coverage typically will require separate policies. CT property insurance does not protect against problems related to poor maintenance.

Consider these three points when getting a CT property insurance quote:

1. The location of the property may require additional Connecticut house insurance. For example, properties in the northern United States should have coverage for ice, sleet and snow.

2. Effective loss-control measures can control the premium Connecticut property insurance companies charge. This can include installing an alarm system for theft.

3. The replacement of detached structures. Connecticut home insurance should allow you to rebuild your house, including structures such as a garage, gazebo or tool shed. Policies typically cover detached structures for about 10% of the value of the house.

Action Steps
The best contacts and resources to help you get it done

Compare homeowners insurance rates in CT from multiple providers

Obtaining multiple quotes from different sources is an effective method of identifying the general terms of these policies and the premiums you can expect to pay.

I recommend: The search function at Respond allows you to specify a city within Connecticut. Begin your search for Connecticut house insurance quotes at All Options Insurance by entering your zip code.

Find brokers for property insurance in Connecticut

You may want to obtain property insurance in Connecticut through an agent who represents a major carrier in the state and who can make a recommendation based on the specific needs of your situation.

I recommend: State Farm sells homeowner's insurance and provides information about agents within a specified area. Go to Allied Insurance and enter your zip code and search radius for insurance agents in your area.

Get a Connecticut home insurance policy from a local agent

You may wish to contact local independent Connecticut home insurance providers rather than dealing with different national insurers. Often, a local agent can write a more customized plan for you.

I recommend: The William Malloy Agency is a full-service insurance agency in Fairfield County that serves all of Connecticut. Kettle Creek Insurance is an independent insurance agency that primarily insures properties in Bethel, Darien, Fairfield, Greenwich, New Canaan, Redding, Ridgefield, Weston and Wilton.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Connecticut property insurance typically covers expensive items such as furs, jewelry and silverware up to a fixed amount. You will need a special property endorsement to replace these items if their value exceeds the amount the primary policy covers. A property endorsement covers items that are lost or stolen.