Average homeowners insurance cost in Hartford, CT

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In Hartford, homeowners pay an average annual rate of $2,146 (for the coverage level of $300,000 for dwelling, $100,000 for liability protection, and $1,000 deductible), according to Insure.com’s rate analysis. It’s $358 less than the national average of $2,504.

Homeowners insurance rates change from one home to another. The home insurance premium in Hartford depends on various factors, such as:

Size of your home
Age of your home
Amount of coverage you need
Location
Your credit score

To ensure you secure the best homeowners insurance policy, compare quotes from multiple insurers, enabling you to find the right coverage that aligns with your specific requirements.

Read this guide to learn how much homeowners insurance costs monthly in Hartford, what home insurance costs for different dwelling coverage, and which companies offer cheap home insurance in Hartford.

Key takeaways

The cost of your homeowners insurance policy in Hartford can vary based on factors such as your location, the value of your home, and the coverage options you select.
National General Insurance is the cheapest homeowners insurance company in Hartford with an average annual premium of $1,268.
If you increase your dwelling coverage from $200,000 to $300,000, you will pay $465 more, annually for home insurance.

Average homeowners insurance cost in Hartford per month

Hartford homeowners pay an average of $179 a month, based on our rate analysis. It’s $5 less than the state average of $184 and $30 less than the national average for home insurance across the United States. The price of your homeowners insurance policy in Hartford may vary depending on where you live, the value of your home, and the coverage you choose.

Average homeowners insurance cost for a $200,000 house in Hartford

Homeowners insurance for dwelling coverage of $200,000 and liability protection of $100,000 costs $1,681 per year in Hartford, CT. Numerous factors influence your annual home insurance rates, including any natural disaster or event in your locality. For instance, certain regions have a higher risk of natural calamities such as floods, hurricanes, or tornadoes, implying higher expenses for rebuilding in these areas. These increased rebuilding expenses result in increased insurance premiums.

It is important to note that your insurance plan may not cover flood or hurricane damages. So, if you reside in an area prone to flooding, consider buying flood insurance coverage.

Average homeowners insurance cost for a $300,000 house in Hartford

As per rate analysis by Insure.com, homeowners residing in Hartford typically pay an average of $2,146 annually to insure a home for coverage limits of $300,000 dwelling, $100,000 liability protection with a $1,000 deductible.

Your home insurance rates will be increased by $465 if you increase your dwelling coverage from $200,000 to $300,000. It is advisable to buy enough insurance sufficient insurance to cover the entire cost of rebuilding your home. However, the amount of dwelling coverage you need may vary depending on the size of your home, the features in your home, and the cost of living in your area.

Average homeowners insurance cost in Hartford by Company

Among the carriers analyzed, National General Insurance is the cheapest homeowners insurance company in Hartford. It’s average annual rate for Hartford homeowners is $1,268. State Farm ranks second and Amica Mutual makes it to the third spot with an average annual home insurance rate of $1,683.

Before choosing a homeowners insurance policy, it is important to do some research on the company. Our experts have analyzed all the insurance companies across Hartford and prepared a list of the cheapest home insurance providers. You can find below the Hartford home insurance companies and their average annual premium.

Home Insurance Company	Annual rate
National General Insurance	$1,268
State Farm	$1,609
Chubb Ltd	$2,253
Farmers	$2,265
American Family	$2,449
Travelers	$4,660
Amica Mutual	$1,683
USAA*	$1,756

Methodology

Insure.com, with the help of Quadrant Information Services, gathered data for homeowners insurance rates in Hartford for $300,000 dwelling coverage and $100,000 liability coverage with a $1,000 deductible. The data presented are those with a good credit tier alignment.