Connecticut is a coastal state that costs less to insure than the national average. That combination is unusual enough to be worth explaining before anything else, because the explanation tells you where the risk actually went.
The state's exposed shoreline is short — roughly a hundred miles of Long Island Sound, partly sheltered by Long Island itself. Most of Connecticut's housing stock is inland, in towns that have never seen a hurricane. And critically, the hurricane deductible does not reduce Connecticut's catastrophe risk. It moves it onto homeowners. A statewide average premium below the national figure is partly a statement about geography and partly a statement about who is holding the first $6,000 to $15,000 of a hurricane loss.
That number turns on one line. Connecticut regulates this more tightly than most states do, and the rule is drawn in feet from the water: within 2,600 feet of the shoreline, an insurer may impose a hurricane deductible of up to 5% of your dwelling limit. Beyond 2,600 feet in those same shoreline communities, the cap is 2%. Half a mile of distance roughly halves your worst-case out-of-pocket, and most Connecticut homeowners have never checked which side of it they are on.
Connecticut also does two things in the homeowner's favor that most severe-storm states do not, and this guide spends real time on both: the hurricane deductible has an unusually strict trigger that ordinary storms do not meet, and insurers here are not permitted to force a wind-and-hail deductible on you at all.
What follows covers the cost, the deductible structure, what a standard policy leaves out, how to figure out whether your dwelling limit is anywhere near your rebuild cost, and what happens if no carrier will write you. It is written for someone who has never read a policy front to back.
A note before you start: everything below is general information about how homeowners insurance works in Connecticut, not personalized insurance, legal, or financial advice. Policy forms, rates, and underwriting rules vary by carrier and by your individual circumstances — town, distance from the shoreline, construction type, roof age, and claims history all move the answer materially. For coverage specific to your property, talk to a licensed Connecticut insurance agent; for regulatory questions, the Connecticut Insurance Department is the state authority.
1. What home insurance actually costs in Connecticut
The reference figure is $2,050 a year for $300,000 of dwelling coverage with a $1,000 deductible.
"Dwelling coverage" — labeled Coverage A on your declarations page — is the maximum the policy will pay to repair or rebuild the structure of your home. It is the anchor number for the whole policy, and as Section 2 explains, it is also what your hurricane deductible gets calculated from. The $300,000 tier is a standardized reference so that states can be compared on the same basis. As Section 4 explains, it is well below what most Connecticut homes cost to rebuild.
That $2,050 is the midpoint of two independent 2026 rate tables that both explicitly price $300,000 of dwelling coverage with a $1,000 deductible: Insurance.com puts Connecticut at $2,132, and Insurify puts it at $1,968. The spread is about 8% — well within normal methodological noise, and tight enough that the midpoint deserves confidence.
There is a useful third read. Insurify's separate price-projections report puts Connecticut's statewide average at $2,204 for 2025 and $2,252 projected for end-2026. Those numbers sit modestly above $2,050, which is exactly what should happen: that report prices each state at its own average dwelling coverage rather than a fixed $300,000, and Connecticut's average dwelling coverage exceeds $300,000. Three sources, three methods, all landing in the same neighborhood.
Forbes Advisor's $1,672 is not blended in — it is priced at $350,000 of dwelling coverage with a $500 deductible, a different package.
Below national, and why
Against the national average of roughly $2,872 to $3,057, Connecticut runs about 29% to 33% below. Three things produce that:
- The exposed shoreline is short, and Long Island offers partial shelter to Long Island Sound.
- Most of the housing stock is inland. Hartford, Waterbury, Danbury, and the northern half of the state do not price like coastal property.
- The hurricane deductible transfers risk rather than eliminating it. A carrier that will not pay the first 2% or 5% of a hurricane loss can charge less for the policy. That is not a free saving; it is a purchase decision you made whether or not you noticed making it.
What the statewide average hides
Within-state dispersion is the story the mean cannot tell. Shoreline properties in Fairfield, New Haven, Middlesex, and New London counties price far above this figure. A Greenwich waterfront home and a Torrington colonial are in the same statewide average and share essentially nothing else.
The trend
Insurify's projection model has Connecticut moving from $2,204 in 2025 to $2,252 by end-2026 — about +2%, against a national projection of roughly +4%. Connecticut is running at half the national pace, and far below the 20%-plus increases seen recently in severe-convective-storm states.
That is consistent with a state that has not had a landfalling major hurricane in decades and whose actual loss experience is dominated by ordinary winter weather and wind claims — frozen pipes, ice dams, trees on roofs — rather than by catastrophe. Only the percentage change transfers from that report, since its dollar levels use each state's own average dwelling coverage. It is a measured recent trend, not a forecast this site endorses.
2. The deductible that actually applies to your most likely claim
Connecticut is one of the nineteen states plus the District of Columbia the Insurance Information Institute lists as using hurricane or windstorm deductibles. Unlike most states in this guide, Connecticut's rules are genuinely regulated rather than left to carrier discretion — which means for once it is possible to tell you what the boundaries actually are.
The standard deductible
Your Connecticut policy carries a flat all-perils deductible, typically $1,000 — the amount you pay out of pocket before the insurer pays anything. The standard market menu runs $500 / $1,000 / $2,500 or percentage-based, with $1,000 the reference point.
This deductible governs fire, theft, a burst pipe, an ice dam, a tree through the roof in a February storm, and — importantly — most wind damage in Connecticut, for reasons the trigger section below makes clear.
The hurricane deductible, and the 2,600-foot line
Separately, a Connecticut policy may carry a hurricane deductible expressed as a percentage of the Coverage A dwelling limit. Connecticut regulates it in two tiers, and the boundary is a distance:
- Within 2,600 feet of the Connecticut shoreline: an insurer may impose a hurricane deductible of up to 5% of Coverage A.
- Beyond 2,600 feet, within those shoreline communities: the cap is 2%.
2,600 feet is just under half a mile. It is a hard line, and it roughly doubles your worst-case exposure when you cross it toward the water.
On a $300,000 dwelling limit:
- 2% = $6,000
- 5% = $15,000
Section 4 works out that a 2,000 square foot Connecticut home costs roughly $550,000 to rebuild. On a $550,000 dwelling limit:
- 2% = $11,000
- 5% = $27,500
Against a $1,000 all-perils deductible on the same page.
One carrier-level detail worth knowing: hurricane deductibles here are commonly set at 2% or 5% of the greater of the Coverage A or Coverage B limit. Coverage B is your other structures. Ask which base your policy uses — it is usually Coverage A, but confirm rather than assume.
2% is the figure used throughout this guide because most Connecticut homes carrying a hurricane deductible sit outside the 2,600-foot band, where 2% is both the cap and the norm. If you are inside that band, read 5% everywhere below. The statute caps rather than sets the percentage, and both are genuinely in use.
The trigger, which is unusually strict — and unusually good for you
This is the part of Connecticut's structure most worth understanding, because it means the hurricane deductible applies far less often than people fear.
The hurricane deductible applies only when both of these are true:
- The National Weather Service measures sustained surface winds of 74 mph or more somewhere in Connecticut, and
- The NWS has issued a hurricane warning for somewhere in the state.
Both conditions. Not a hurricane somewhere in the Atlantic, not a storm that was a hurricane yesterday, not heavy wind — measured 74-mph sustained winds in Connecticut plus a warning.
Most storms that damage Connecticut homes do not clear that bar. Tropical storms do not. Nor'easters do not. A severe summer thunderstorm that puts an oak through your roof does not. All of those run through the $1,000 deductible, not the percentage one.
That is a meaningfully consumer-favorable trigger, and it is worth knowing before you panic about a 5% figure on your declarations page. In a typical Connecticut decade, the ordinary deductible does nearly all the work.
The other protection: they cannot force a wind/hail deductible on you
A hurricane deductible and a windstorm-or-hail deductible are legally distinct things in Connecticut, and this matters.
A hurricane deductible needs an actual hurricane, per the trigger above. A windstorm-or-hail deductible — the kind that dominates policies in Arkansas, Iowa, and much of the Midwest — applies to ordinary wind and hail, with no such trigger.
Connecticut insurers may not mandate a windstorm-or-hail deductible. A consumer may choose to accept one in lieu of the overall policy deductible, but it cannot be imposed.
Read that against the rest of this state series and it is a substantial protection. In a lot of the country, a percentage deductible has quietly migrated onto the ordinary wind and hail claims homeowners actually file. Connecticut drew a line: the percentage deductible is for hurricanes, and hurricanes have a definition.
If you find a windstorm-or-hail deductible on your Connecticut policy, it is there because someone accepted it. It is worth asking whether that trade still makes sense.
The trap: the percentage is of your coverage, not your damage
The percentage applies to the insured value of the dwelling, not to the size of the loss. A 5% deductible on a $550,000 dwelling limit is $27,500 whether the hurricane did $30,000 of damage or $400,000 of damage. It is not "5% of the claim."
So a moderate hurricane claim on a shoreline home can be worth almost nothing. $30,000 of damage against a $27,500 deductible pays you $2,500. This is the reason to convert the percentage into dollars before the storm and decide whether you can absorb it.
What to actually do about it
- Find out which side of 2,600 feet you are on. Measure it. Half a mile from the water is the difference between a 2% cap and a 5% cap, and it is a fact about your address that you can establish once and never have to think about again.
- Find the percentage on your declarations page and multiply it out. Write the dollar number down.
- Check the base — Coverage A, or the greater of Coverage A and Coverage B.
- Look for a windstorm-or-hail deductible. If one is there, you accepted it, and you can ask what removing it costs.
3. What a standard policy covers here — and the gaps
A homeowners policy bundles several separate coverages:
- Coverage A — Dwelling. The structure itself.
- Coverage B — Other Structures. Detached garage, shed, stone wall, fence. Usually about 10% of Coverage A automatically. Note from Section 2 that on some Connecticut policies this limit can be the base for the hurricane deductible calculation.
- Coverage C — Personal Property. Your belongings, usually 50% to 70% of Coverage A.
- Coverage D — Loss of Use. What it costs to live elsewhere during repairs.
Covered perils typically include fire, lightning, windstorm, hail, theft, vandalism, and sudden accidental water discharge from plumbing.
Flood is never covered — anywhere, by anyone's homeowners policy
This is universal across all fifty states, not a Connecticut rule. No homeowners policy covers flood. Flood coverage is a separate purchase through the National Flood Insurance Program (NFIP) or a private flood carrier.
In Connecticut this gap has a specific and dangerous shape, because storm surge is flood. The wind that takes your roof off in a hurricane is a homeowners claim, subject to the hurricane deductible. The water that comes up Long Island Sound in the same hour is a flood claim, subject to a policy you may not own. One storm, two perils, two policies — and if you hold only one of them, the other half of the loss is uncovered.
Connecticut's inland flood exposure is real too: the Connecticut, Housatonic, Naugatuck, and Quinnipiac river systems all flood, and heavy rainfall on developed terrain produces flash flooding well away from any coast. Being outside a mapped high-risk flood zone is a statement about a flood map, not about whether your house can flood — a meaningful share of NFIP claims nationally come from outside high-risk zones.
The Connecticut winter exclusions worth knowing
Connecticut's real claims experience is a cold-weather one, and the exclusions here matter more than the exotic ones:
- Frozen pipes are covered — conditionally. Standard policies cover sudden water discharge from a burst pipe, but typically exclude the loss if you failed to maintain heat in the building or shut off the water and drain the system while away. If you leave a Connecticut house unheated in January, you may have voided the coverage for the most likely thing that will happen to it. This is the single most commonly triggered condition in a New England policy.
- Ice dam damage is usually covered as a sudden water event, but the repeated seepage and long-term deterioration that ice dams also cause is excluded as maintenance. The line between the two is a frequent claims dispute.
- Wear, deterioration, and maintenance generally. Connecticut has one of the older housing stocks in the country, and gradual failure on an old house is excluded no matter how expensive it is.
Other standard exclusions
- Earth movement, including earthquake, landslide, and subsidence. Available as a separate endorsement; Connecticut's seismic risk is low but not zero.
- Ordinance or law — the extra cost of rebuilding to current code rather than as originally built. On Connecticut's old housing stock this is one of the highest-value endorsements available and one of the most commonly missing. A 1920s house rebuilt to current code is a materially more expensive house. Ask for it by name.
- Mold, beyond limited sublimits.
4. Making sure you have enough coverage
The most consequential number on your policy is your Coverage A limit, and the most common way it goes wrong is setting it to your home's market value or your mortgage balance.
Neither is right. Dwelling coverage should equal the cost to rebuild your home from the foundation up at today's construction prices. Market value includes land. Your mortgage balance is a financing number unrelated to construction cost.
Working a real Connecticut example
Rebuilding in Connecticut runs roughly $275 per square foot — the midpoint of a published $200 to $350 band covering materials, labor, and general contractor overhead and profit, excluding land. That is the top Northeast band, shared with Massachusetts and New York.
On a 2,000 square foot home:
- 2,000 x $275 = $550,000 to rebuild
Take the band seriously:
- At $200/sq ft: $400,000
- At $350/sq ft: $700,000
A $300,000 spread on the same house. Connecticut shares that exact band with Massachusetts and New York, which tells you it is a regional construction-cost band applied to Connecticut rather than a Connecticut-specific survey. No Connecticut building department or insurance regulator publishes a competing figure to check it against. Get an actual replacement-cost estimate for your specific home.
Two Connecticut numbers worth putting side by side
- Median Connecticut home price: $485,000
- Cost to rebuild a 2,000 square foot Connecticut home: about $550,000
The rebuild figure is above the median sale price. That surprises people, because Connecticut is a high-land-value state and the intuition is that land dominates. In Greenwich and lower Fairfield County it does. Across most of the state it does not — construction costs in the top Northeast band, applied to Connecticut's typically generous house sizes, produce rebuild figures that outrun what those houses sell for.
The practical consequence: insuring to market value under-insures most Connecticut houses, and insuring to the $300,000 reference tier under-insures nearly all of them.
The 80% coinsurance rule, and what a shortfall does to a partial claim
Most homeowners policies contain a coinsurance provision requiring you to insure the dwelling to at least 80% of its full replacement cost. Fall below that and the insurer does not merely cap your payout at your limit — it reduces every partial claim proportionally.
Work it. Full replacement cost $550,000, so the 80% threshold is $440,000. Suppose you carry the $300,000 reference limit, and a storm does $100,000 of damage. Your limit is three times the loss, so it feels safe. It is not:
- $300,000 carried / $440,000 required = 0.682
- 0.682 x $100,000 = $68,182
- Then subtract your deductible — $1,000 on an ordinary claim, or $6,000 if a qualifying hurricane triggered a 2% deductible on the $300,000 limit
- Net payment: roughly $62,182 to $67,182 on a $100,000 loss
You are $33,000 to $38,000 short on a claim well inside your policy limit, purely because Coverage A was set too low. That penalty is larger in Connecticut than in most states precisely because Connecticut rebuild costs are high relative to the $300,000 reference tier. None of it is visible until you file.
Two endorsements worth asking about by name
- Extended replacement cost — pays a stated percentage above your Coverage A limit (commonly 25% to 50%) when rebuilding costs more than expected. Given a $200-to-$350 construction band, this is the endorsement that covers the difference between the midpoint and the top of the range.
- Ordinance or law coverage — as above. On Connecticut's old housing stock this is arguably the highest-value endorsement in the state.
5. Roof age, and why it decides your premium and your payout
An honest limitation first. This site's Connecticut data file does not record a statewide roof-settlement standard, because Connecticut does not impose one by statute. Whether your roof is settled at replacement cost or actual cash value is set by your policy form and your carrier's underwriting rules. So rather than tell you what your policy does, here is what to go find out and why it decides the size of your check.
The distinction to look for: ACV versus RCV
- Replacement cost value (RCV) pays what it costs to put a new roof on today.
- Actual cash value (ACV) pays replacement cost minus depreciation for the roof's age.
That gap grows every year. On an ACV schedule, a roof fifteen years into a twenty-year expected life has roughly 75% of its value depreciated away — the insurer pays about 25% of replacement cost and you fund the rest. Your deductible then comes off the top of even that reduced amount.
Why this compounds badly in Connecticut specifically
Connecticut roofs fail for New England reasons, and the claims economics are unforgiving:
A 15-year-old roof on a $550,000 home takes $28,000 of damage in a qualifying hurricane. The policy sits inside the 2,600-foot band with a 5% hurricane deductible and settles the roof at actual cash value.
- Depreciation first: roughly 25% of $28,000 = $7,000 of recognized value
- Minus the 5% hurricane deductible on $550,000 = $27,500
- The insurer owes you nothing. A covered peril, an in-force policy, a destroyed roof, and a zero-dollar claim.
Move that same house beyond 2,600 feet and the deductible falls to 2%, or $11,000 — still more than the depreciated value, still a zero-dollar outcome. The lesson is not about the distance line. It is that an ACV roof endorsement combined with any percentage deductible can zero out a large claim, and you need to know whether you have one.
What to actually do
Pull your declarations page and look specifically for a "roof surfaces" endorsement, a roof payment schedule, a windstorm-loss-to-roof provision, or any actual cash value language applied to the roof rather than to the policy generally. If you find one, ask your agent what replacement-cost roof settlement would cost, and get the number before assuming it is out of reach.
Also worth knowing: the Connecticut FAIR Plan's C-MAP coastal policy is a DP-2 Broad Form, which is a narrower dwelling form than a standard homeowners policy. If you end up there (Section 6), roof settlement terms are one of the specific things to ask about, not assume.
Why roof age also decides whether you get written
Roof age is a leading underwriting factor almost everywhere. Along the Connecticut shoreline, where fewer carriers compete for coastal wind exposure, it functions as a gating factor rather than a pricing factor — an older roof can move you from "expensive" to "declined." If your roof is near the end of its life, replacing it before renewal is frequently the difference between a quote and a non-renewal notice. Impact-rated and high-wind-rated materials commonly carry credits worth asking about item by item.
6. If no carrier will write you
Connecticut has a real backstop, and unlike most states it runs two related mechanisms, both administered by the Connecticut FAIR Plan. Neither is a substitute for a voluntary-market policy, and both are placed through a licensed producer rather than bought directly.
The Connecticut FAIR Plan
The Connecticut FAIR Plan (ctfairplan.com) is the general insurer of last resort for property the voluntary market will not write. Dwelling limits are reported around $350,000.
That figure is flagged as soft, and you should treat it that way. It comes from a third-party state tracker rather than from the plan's own published rules, and it could not be confirmed directly against a Connecticut FAIR Plan document. If you are relying on the FAIR Plan, get the current limit from your producer in writing.
Taken at face value, it is a real constraint. Section 4 puts the rebuild cost of a 2,000 square foot Connecticut home at about $550,000. A $350,000 cap falls roughly $200,000 short of that — and in Fairfield County and along most of the shoreline, further still. Read plainly: the FAIR Plan is protection against having nothing, not protection against being underinsured.
C-MAP: the coastal program
The Coastal Market Assistance Program (C-MAP) is the shoreline-specific mechanism. It was created by the carriers writing Connecticut homeowners business, under Connecticut Insurance Department authorization, and it is administered by the FAIR Plan.
Who it is for: shoreline homeowners within 2,600 feet of the coast — the same distance line as Section 2 — who cannot obtain coverage in the ordinary market.
The mechanics you need:
- A stand-alone DP-2 Broad Form coastal policy. A dwelling form, narrower than a standard homeowners policy.
- Maximum Coverage A limit: $500,000, with an 80% minimum.
- A mandatory 5% hurricane deductible on all risks — not an option, not a choice, the top of the regulated range applied to every C-MAP policy.
- A separate named-perils deductible alongside it.
Work the numbers against Section 4. On a 2,000 square foot home costing $550,000 to rebuild:
- C-MAP's $500,000 ceiling falls $50,000 short of full replacement cost
- The mandatory 5% deductible on a $500,000 limit is $25,000 out of pocket before a hurricane claim pays anything
- The 80% minimum means you cannot buy a token limit — the floor is $400,000 of Coverage A
The honest framing
Connecticut's residual market is well-established, properly regulated, and genuinely available — which puts it ahead of the several states in this series that have no backstop at all. It is also narrower, more expensive, and harder-deductibled than voluntary-market coverage, and its limits sit below full replacement cost for a substantial share of the shoreline housing it exists to serve.
If you are being non-renewed on a coastal property, the practical sequence is: exhaust the voluntary market through a producer who writes coastal Connecticut, then C-MAP if you are inside 2,600 feet, then the general FAIR Plan. And if you are buying shoreline property, resolve insurance availability before you resolve financing.
7. How to actually lower your premium in Connecticut
Ranked roughly by how much they move the number in this state specifically.
1. Establish your distance from the shoreline, then price both sides of it. If you are near the 2,600-foot line, this single fact governs whether a carrier may impose 5% or is capped at 2%. On a $550,000 limit that is the difference between $27,500 and $11,000 of hurricane exposure. It is also worth confirming rather than assuming — carriers occasionally apply coastal rating to properties that are outside the band, and a documented distance is grounds to ask for a re-rate.
2. Get your Coverage A limit right — which in Connecticut usually means raising it. Given a $550,000 rebuild against a $485,000 median sale price, most Connecticut homeowners insuring to market value are underinsured, and the coinsurance penalty in Section 4 is unusually harsh here. This costs money rather than saving it, and it is item 2 anyway, because a cheap policy that pays $33,000 less than it should on a $100,000 claim is not a cheap policy.
3. Check whether you accepted a windstorm-or-hail deductible, and ask what removing it costs. Connecticut insurers cannot force one on you. If you have one, it was a choice — possibly one made by someone else at a kitchen table years ago. Unlike the hurricane deductible, this one applies to ordinary storms with no 74-mph trigger, which makes it far more likely to actually bite. Reconsider it explicitly.
4. Raise the all-perils deductible instead. Going from $1,000 to $2,500 lowers premium and only affects ordinary claims. Given that most Connecticut losses are frozen pipes, ice dams, and trees rather than hurricanes, this is where your real deductible exposure lives — but it is also the deductible you are most likely to be able to absorb. It is generally better value than accepting a percentage deductible on wind.
5. Do the winter maintenance the policy quietly requires. Keep the heat on, insulate pipes on exterior walls, keep gutters clear, and address ice dam conditions. This is not a discount, it is a coverage-preservation item — the frozen-pipe exclusion in Section 3 is triggered by failure to maintain heat, and it converts your most likely large claim into an uncovered one. Costs almost nothing, prevents the worst outcome on the list.
6. Replace an aging roof before renewal, not after the storm. Along the shoreline this can remove an ACV roof endorsement, lower your rate, and prevent a non-renewal in a market with few coastal carriers. Ask specifically about credits for impact-rated and high-wind-rated materials.
7. Ask about wind-mitigation credits item by item. Hurricane straps and clips, storm shutters, reinforced garage doors, and secondary water barriers commonly carry credits on coastal Connecticut policies. Carriers do not always apply them automatically. Ask which ones require an inspection to document.
8. Bundle home and auto. Multi-policy discounts remain among the largest routinely available, and along the shoreline, being a multi-policy customer helps on the underwriting side as well as on price.
9. Buy flood coverage anyway. This raises your total spend and belongs here because the cheapest possible premium is worthless if water did the damage. Storm surge is flood. So is Connecticut River flooding, and so is flash flooding well inland. Get the NFIP quote — in moderate-risk zones it is often far less than people assume.
10. Re-shop every year and compare the right five things. Line up: the premium, the dwelling limit, the hurricane deductible percentage, whether a windstorm-or-hail deductible has been slipped in, and whether the roof settles at ACV or replacement cost. A quote that beats yours on premium while moving you from 2% to 5% and adding an ACV roof endorsement is a worse policy with a better headline.
What to do next
If you want these numbers applied to your actual house rather than a statewide average that blends Greenwich waterfront with inland Litchfield County, the Connecticut premium calculator estimates your annual cost from your own dwelling limit and deductible. The replacement cost calculator works out the Coverage A limit you actually need from your home's square footage using Connecticut construction costs — worth running first, because Connecticut rebuild costs typically come out above what the house would sell for, and the coinsurance penalty for getting this wrong is steeper here than in most states. And because the hurricane deductible percentage is the number that decides your real out-of-pocket exposure, the deductible calculator converts 2% and 5% into actual dollars against your specific dwelling limit.
All three show every figure they use and where it came from.
This guide is general information about homeowners insurance in Connecticut, based on publicly available figures current as of August 2026. It is not an insurance quote, a policy, coverage advice, or legal advice, and it does not reflect your individual property, town, distance from the shoreline, claims history, or carrier's specific policy language. Premiums, deductible options, roof settlement terms, and underwriting rules vary substantially by carrier and by property. The Connecticut FAIR Plan dwelling limit cited here is reported secondhand and is not confirmed against the plan's own published documents; confirm current limits and C-MAP eligibility with a licensed producer. For coverage specific to your home, speak with a licensed Connecticut insurance agent; for regulatory questions or complaints, contact the Connecticut Insurance Department.