Who regulates homeowners insurance in Connecticut?

The Connecticut Insurance Department (portal.ct.gov/cid) licenses carriers and agents and handles consumer complaints.

Is flood damage covered by standard homeowners insurance in Connecticut?

No — standard policies exclude flood damage. Connecticut shoreline homeowners can purchase NFIP coverage at floodsmart.gov or from private flood carriers.

What risks do Connecticut homeowners most commonly claim?

Wind damage (nor'easters, thunderstorms), hail, and water damage from ice dams and frozen pipes are the most common homeowners claims in Connecticut.

Does Connecticut require homeowners insurance?

Connecticut law does not mandate homeowners insurance, but lenders require it as a condition of most mortgages.

How do I file a homeowners insurance complaint in Connecticut?

File a complaint with the Connecticut Insurance Department at portal.ct.gov/cid. The department can investigate unfair claim practices by licensed carriers.

Homeowners Insurance in Connecticut

Connecticut's home-insurance risks include nor'easter wind and water damage, coastal storm surge for shoreline properties, and increasing severe-thunderstorm frequency — wind and hail are the primary standard-policy claims drivers.

More Connecticut guides

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