Connecticut Home Insurance: Don’t Pay More Than You Have To

If you’re a Connecticut homeowner, you know how expensive Connecticut home insurance can be. Residents of the Constitution State pay an average of 77* monthly for home insurance, the 10th most expensive premium in the country.

The good news, though, is that you can reduce your home insurance rate by avoiding these insurance pitfalls.

4 Ways You Might Be Overpaying

Reduce the cost of Connecticut home insurance by eliminating these common money-sucking pitfalls:

• Not bundling policies: You can save up to 15% on your auto and home insurance with a multi-policy discount from your insurer.
• Not asking about discounts: Unless you snag a few discounts for fireproof roofing materials, deadbolt locks and a home security system, you’re probably paying too much for Connecticut home insurance.
• Keeping the deductible too low: Unless you file claims frequently, increase your deductible and lower your premium by 25% or more.
• Not shopping around: If you choose the first policy you’re offered, you’re probably overpaying. Compare quotes from several insurers and find a more affordable policy.

Home Insurance and Winter Storms

Connecticut is a gorgeous state, but conditions in the northeast United States can get nasty in the winter. Severe winter weather, including snowstorms, ice, hail and water damage, have the potential to damage or completely destroy homes. That’s why home insurance, which protects homes against loss due to these perils, is so vital.

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*Data from the NAIC, 2006