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Connecticut has the 9th highest premium across the United States. It has yearly homeowners and renters premium averages of $1,337 and $205 respectfully. These are above the national yearly premium averages of $1,132 and $190 for homeowners and renters insurance respectively.It’s very vital to have such information, especially when moving from another state to Connecticut. Remember, insurance companies consider several factors when calculating quotes for their specific clients. The averages mentioned above are just general guidelines to help you set a budget before purchasing a Connecticut home insurance policy. Therefore, you should compare various insurance companies and get a comprehensive analysis of the available coverage options before purchasing a homeowners insurance policy.
The fact that Connecticut is not affected by tornadoes as is the case in most western states makes insurers make certain suggestions to their homeowners insurance clients. It’s also critical to note that unless you have an endorsement from the National Flood Insurance Program, many homeowners insurance plans don’t cover flooding. Hence, the homeowners insurance policy that you buy might exclude floods that your property faces due to sewer breakages or storm surges.
The average number of national burglaries is 37,814 while that of Connecticut is about 12,892. Although Connecticut has a lower number of burglaries as compared to other states, it’s prudent to install security alarms and purchase a policy that can protect your valuable assets against theft. In other words, the policy should protect your home against more than just natural risks.