Home Insurance and Car Insurance in Connecticut

Homeowners Insurance Coverage Options in

Home insurance isn’t legally required in Connecticut, but you’ll likely be required to purchase it as a condition of your home loan if you have financed your home with a mortgage. Before purchasing a home (or an insurance policy to go with it), make sure you understand the differences in what is and isn’t covered as part of your policy. Common types of home insurance included in traditional policies include:

• Dwelling coverage is insurance that pays to repair or replace the physical structure of your home, including windows, doors and the roof. It also extends to cover attached structures like a garage.
• Personal property coverage pays to replace or repair the stuff inside your home. Appliances, furniture, clothing and other property are included. Some items, like jewelry or antiques, may require specialized coverage that you can add onto the policy.
• Personal liability coverage is an important type of insurance that protects you from lawsuits and claims where others are injured or personal property is damaged or destroyed while on your property.
• Additional living expenses coverage can help pay for temporary housing, groceries and other needs if your house is rendered uninhabitable due to a covered loss.

Common Causes of Loss in

Connecticut homes see an increased risk of damage due to several factors, including (most prominently) the weather. Common claims home insurance companies see can involve:

• Roof damage due to storms. Because Connecticut sees both heavy snow and ice during winter, roof damage is especially common.
• Wind damage can significantly impact your siding, roof and windows. High winds may even propel flying objects, such as tree limbs or even whole trees, into your home.
• Flooding is especially common, especially along the coasts. Because Connecticut is near the Atlantic Ocean, floods can come from tropical storms which increasingly move along the coast to northern parts of the country.

Additional Coverage Options Recommended for Homeowners

In addition to standard home insurance coverage, many experts suggest shopping for additional coverage. Depending on where you live, these insurance policies may be more of a priority.

• Flood insurance is an important consideration because most home insurance policies don’t cover flood damage as part of the standard coverage. If you live in a high-risk flood zone (as designated by FEMA¹), spending the additional money may not just be a good idea, but a necessity.
• Roof replacement coverage is different from traditional home insurance policies in that it pays for the actual cost of repairs or replacement without factoring in depreciation of the existing roof. Availability for this coverage may vary by insurer and depends on the age of your roof.
• Identity theft coverage may be available from your insurance company and can help offset the costs associated with restoring your identity should it be stolen.

Our Home Insurance Partners in

When it comes to buying Connecticut homeowners insurance, SelectQuote helps you save time and money by shopping for quotes from highly rated insurance carriers in CT. Our trusted home and auto insurance companies are known nationally and can provide you with affordable coverage, discounts and—in many cases—home and auto bundles to help you save even more money.

What is the average home insurance cost in ?

The average home insurance cost in Connecticut depends on where you live in the state, what type of home you have, the value of your property and what kind of policy you want. Average home insurance rates in Connecticut for SelectQuote customers is $131.48.⁺

Homeowners Insurance Discounts in

Home insurance discounts are available for Connecticut homeowners. Eligibility for these discounts may vary by homeowners insurance company, but you’ll usually be able to ask about discounts for:

• Customer loyalty
• No claims filed in the past few years
• Paying your premiums annually versus quarterly or monthly
• Bundling your home insurance policy with other coverage

Auto Insurance Laws and Requirements

Connecticut requires drivers to carry minimum legal coverage in order to operate a vehicle. Much like other states, this car insurance coverage primarily exists to pay for damage and injuries to others in the event of an auto accident. Mandatory types of auto insurance coverage and limits include:

• Bodily injury liability coverage: $25,000 per person and $50,000 per accident
• Property damage liability coverage: $25,000 per accident
• Uninsured/underinsured motorist coverage: $25,000 per person and $50,000 per accident

In addition to the required minimum legal coverages, it’s also recommended that you purchase other insurance to help cover the costs associated with car accidents:

• Collision coverage is insurance that protects you in the event of a collision with another vehicle, regardless of who is at fault. After you pay your deductible, this coverage will help repair or replace your vehicle up to its actual cash value.
• Comprehensive coverage helps to pay for damage resulting from accidents that don’t involve another vehicle, such as hitting an animal or sliding into a ditch. It also covers loss due to theft and damage from storms or fire.

All data on average expenditures is provided by the Insurance Information Institute.

Teen Driving Laws

Like many other states, Connecticut has strict laws and rules for teen drivers. Teen drivers who are 16 or 17 years of age and have a learner’s permit must always have a licensed driver riding with them, whether they’re an instructor, parent or guardian. Mobile phone use isn’t permitted.

For teen drivers who are 16 or 17 years old and have a driver’s license, passengers aren’t permitted within the first six months unless they’re a parent, guardian or licensed driver. After six months, the teen may drive with immediate family in the vehicle.

Until turning 18, teens can’t drive between the hours of 11 p.m. and 5 a.m. unless it’s for work, school or a medical emergency. The ban on cell phone use while driving—even if it’s hands free—is still in effect until they’re 18 years old.

Car Registration Information

Registering a vehicle in Connecticut requires having a proper title if the vehicle in question is newer than 20 model years. Vehicles older than 20 model years only require registration from the previous owner. You’ll also need to provide proof of insurance, most commonly an insurance identification card.

Connecticut vehicle registration requires paying registration fees for gas vehicles and sales tax. The registration fees may be discounted for electric vehicles.

What is the average car insurance cost in ?

Car insurance rates in Connecticut can vary based on several factors, including the type of vehicle you’re insuring, your driving record, where you live and the amount of driving you plan on doing each month. The average car insurance cost in Connecticut for SelectQuote customers is $191.09 per month.⁺

Our Car Insurance Partners in

SelectQuote works with trusted auto insurance companies in each state, including Connecticut. We compare rates from several nationally known insurance carriers to help you save time and money on coverage. Let us compare coverage from highly-rated insurance companies to find you the auto coverage you need.