The average cost of renters insurance in Connecticut is $16 per month or $194 per year. choosing lemonade will save the average renter 27%, or $63 a year.
We collected quotes from seven of the top renters insurance companies in Connecticut to find you the best rates. When choosing the best renters insurance company, it’s important to consider coverage options and customer service, in addition to affordability.
Reading: How much is renters insurance in ct
cheapest renters insurance companies in connecticut
The average cost of renters insurance in Connecticut is $16 per month, but we found a substantial difference between insurers. the most expensive option, farmer’s insurance, was twice as much as lemonade, at $24 a month.
amica, state farm and allstate also offered rates below the state average.
Connecticut renters insurance is relatively affordable compared to the rest of the country. Nationwide, renters insurance typically costs about $19 a month.
best renters insurance for most people: lemonade
we recommend lemonade as the best renters insurance for people in connecticut. It has low rates of just $141 per year, or about $12 per month. that’s the cheapest we found statewide and 27% less than the overall average cost.
Lemonade insurance is only sold online and you will manage your policy exclusively through their mobile app. The app is well-designed and easy to use, but if you’d rather talk to an agent on the phone (or in person), Lemonade isn’t the way to go.
Lemonade’s customer service is not particularly highly rated. its naic complaint ratio is high at 1.94, meaning it has received about twice as many complaints as a typical insurance company of its size.
See also: Credit Card Rental Insurance: What Is It? How Does It Work? – ValuePenguin
Founded in 2015, Lemonade is also a new company, relative to other insurers. If you’re looking for a longer-lasting insurer with top-notch customer service, we recommend amica instead.
best customer service: amica
For renters looking for high-quality service at an affordable price in Connecticut, we recommend amica. it’s only a few dollars more expensive per year than our top pick, and generally has well-rated service.
The average price we found at amica is $142 per year, just $1 more per year than our top selection and 27% less than the overall average.
amica also has a generally well-rated service. received a 4/5 in our renters insurance service ratings, reflecting the generally positive experiences of their customers.
We also like that amica offers auto insurance in addition to renters coverage. If you have a car, combining your auto and rental policies will simplify your monthly bills and qualify you for a small discount.
The downside that prevents amica from being our top choice is its limited online availability, especially in coastal regions. in cities like stamford, new haven and greenwich, amica was unable to offer us a quote via the web. instead, residents of these areas should call amica for a quote.
best coverage options: travelers
For Connecticut renters who want the best possible selection of coverage options from their renters insurance company, we recommend Travelers. has more options than any other insurer we’ve reviewed, including some options we can’t find anywhere else. however, traveler rates are considerably higher than our other top picks, and you must pay for a year of coverage up front.
travellers has helpful coverage options, like replacement cost coverage, valuables coverage, and extended liability. It also offers some options that we didn’t see from other insurers, like water backup coverage.
See also: What is private mortgage insurance and who does it protect
The biggest drawback for travelers is its high price. At an average price of $220 per year, their rates were substantially more expensive than our top picks: Going with Travelers for lemonade would set you back $79 more per year. you will also have to pay the full premium in advance
Traveller customer service was average. received a naic complaint index score of 0.95. That means travelers received slightly fewer complaints than a typical insurer of its size, suggesting customers are happy with the service they received. it also has excellent financial strength, with the highest possible rating of a++ from am best.
connecticut renters insurance: costs by city
That’s 45% more than the price in the cheapest city, Enfield, where the typical cost is just $175 per year.
Renters insurance costs can change based on where you live. your bill may be lower if you live in an area with a low crime rate, or higher if you live near the coast. These are the average rates we found for renters insurance in Connecticut.
best renters insurance companies in connecticut
These companies have generally favorable reviews and few complaints, according to the naic. both also have solid ratings from the editors of valuepenguin, and usaa is j.d. power’s premier choice for customer satisfaction.
however, usaa is only available to people affiliated with the military, which keeps it from being one of our top picks.
Great customer service means you’ll have your questions answered as you shop for a policy or file a claim, and you’ll be paid fairly and on time after your claim is approved.
We evaluated quotes from seven major insurance companies in 25 connecticut cities. all sample rates are for a 25 year old single renter living alone with no recent renters insurance claims.
Our experts select the top options looking at rates, customer service, and coverage options. Renters insurance star ratings are based on the National Association of Insurance Commissioners (NAIC) Complaint Index, the J.D. boosts valuepenguin’s customer service satisfaction rating and editor rankings.
See also: Is breast reduction covered by health insurance? | ASPS