Connecticut home insurance

Every figure below is sourced and dated. Estimates only — not quotes, and not offers of coverage.

Home insurance premium estimator

What homeowners insurance costs in your state, and whether what you pay is out of line.

Is your dwelling coverage actually enough to rebuild — and what a shortfall costs at claim time.

What a higher deductible really saves, how long it takes to pay off, and what a storm deductible actually costs.

Did your renewal go up more than premiums did across your state — and what to do about it.

All six limits on your policy against what the standard form and regulators say to expect — including the liability limit nobody looks at.

Average premium: $2,050/ yr; At $300,000 of dwelling coverage.
Standard deductible: $1,000; Applies to everyday claims.
Storm deductible — separate, and much larger: $6,000(2% of coverage); What you would pay out of pocket on $300,000 of coverage before a storm claim pays anything — not the $1,000 above.
Insurer of last resort: Connecticut FAIR Plan (and the Coastal Market Assistance Program, C-MAP); Connecticut runs two related mechanisms, both administered by the Connecticut FAIR Plan. The FAIR Plan itself is the general insurer of last resort for property that the voluntary market will not write, with dwelling limits reported around $350,000 - low enough to be a real constraint in Fairfield County and much of the shoreline. C-MAP is the coastal-specific program: created by the carriers writing Connecticut homeowners business under Connecticut Insurance Department authorization, it serves shoreline homeowners within 2,600 feet of the coast who cannot obtain coverage in the ordinary market. C-MAP's stand-alone DP-2 Broad Form coastal policy carries a $500,000 maximum Coverage A limit with an 80% minimum, and imposes a mandatory 5% hurricane deductible on all risks alongside a separate named-perils deductible. Both are last-resort products with narrower terms and higher pricing than a voluntary-market homeowners policy, and both are placed through a producer rather than bought directly.