The Keys to Connecticut Home Insurance

The proud traditions of Wethersfield Green may differ sharply from the fast pace of the state's 20th century fund managers, but they have one important thing in common: both want to preserve the lifestyles they know and enjoy. Without a doubt, Connecticut home insurance is getting more expensive by the year. Part of the problem is a higher number of claims than the national average, but other factors particular to the Nutmeg State influence Connecticut insurance quotes. Whichever side of the Connecticut River you live one, it's important to know that you're getting the protection you need at a price you can afford.

The Framework

What will home insurance cost you in the Constitution State? That depends on the coverage you choose. In Bridgeport, if you live in a 3,000 square foot home, you'll typically need a policy that covers your dwelling for approximately $350,000. The types of policies that determine your Connecticut home insurance quotes break down as follows:

  • HO-2: Known as the broad form, this covers what are considered basic perils.

  • HO-3: Most residents choose this special form, which provides property and liability coverage for your home and other structures on your property; some perils will be specifically excluded.

  • HO-4: This policy provides coverage for renters' personal property.

  • HO-6: Similar to the HO-4, but for condominium owners.

  • HO-8: Will cover your structure based on market value, rather than actual cash value. Although this policy is more expensive, you may find it a worthwhile value, since an actual cash value policy figures depreciation into your Connecticut home insurance quotes.

Lowering Your Risks

Once you determine the approximate value of your dwelling, take a careful inventory of your possessions. You may need additional coverage to ensure replacement cost for more valuable items. After that, it's time to diligently research ways to receive lower Connecticut home insurance quotes. As recently as December 2009, the average home insurance premium in Connecticut was $762. But if you prove to providers that your home is safer than average, the cost will fall. For example, anti-theft devices such as deadbolt locks, window locks, and a burglar alarm system can drive the premium down to about $684. Or you can take measures to protect against fire damage. Install smoke alarms and buy fire extinguishers; the premium can fall as low as $648.

The Bill of Mights

In the view of potential insurers, there are a lot of things that might affect your Connecticut home insurance quotes. These include the age of your home, the type of foundation, the wiring, roof, and various other factors. If you get a new roof, or upgrade your wiring, you should let your policy provider know. Or you can shop around for better rates. When you search, make sure you consider every bit of information, from updates to your personal qualities, such as being a non-smoker. A free service like lets you enter all this information one time, and then compares homeowners insurance quotes for you. You may find this convenient, because you don't want to lament what you might have done to save money. Finding a good deal is exactly the kind of Steady Habit the state can be proud of.