10 Best Renters Insurance Companies in Connecticut of 2023

Find out which renters insurance companies provide the best coverage at affordable rates in CT. Get tips & money-saving advice for finding the right policy.

Investing in renters insurance is crucial if you live in a rental apartment. This will protect your precious belongings in case of theft or fire. Without renters insurance, you would be solely responsible for bearing the financial burden of replacing your items.

In addition, if a guest is injured on your property and requires expensive medical treatment, they may take legal action against you. Renters insurance can help cover your legal defense costs and medical bills resulting from the injury.

Renters insurance gives you peace of mind and is reasonably priced. You can use discounts and policy options, such as bundling it with your auto policy.

According to PropertyNest research, the average basic renters insurance policy in Connecticut costs $15.49 a month.

However, choosing the right policy can be daunting. What if you have expensive jewelry? Does your insurance cover theft claims for it? Should you call an agent or get a quote online? And what about customer service? Do they provide timely assistance?

We understand all these worries and have researched the best renters insurance companies in Connecticut, looking at affordability, coverage options, customer satisfaction, and discounts offered. Let us take the burden off you and make your selection process more manageable.

Best Renters Insurance in Connecticut

  • Lemonade Best for Cheapest Rates
  • Liberty Mutual – Best for Discounts
  • Allstate – Best for Bundling Services
  • State Farm – Best for Customer Service
  • Travelers Insurance – Best for Coverage Options
  • Nationwide – Best for Online Presence
  • The Hartford – Best for Riders
  • AAA – Best for Young People
  • Homesite – Best for Easily Getting a Quote and Buying a Policy
  • Farmers – Best for Claims Satisfaction
Cheapest Average Renters Insurance Rates in Connecticut
CompanyMonthly Average Sample Rate
State Farm$8.91
Liberty Mutual$14.83
Amica Mutual$16.00
PropertyNest renters insurance data as of 2023

Lemonade: Best for Cheapest Rates

Lemonade Renters Insurance CT
Editors star rating review
Editor's Rating (4.5 Stars out of 5)

Lemonade is the first online insurance company.

It is based online and on its app.

We opted for Lemonade due to its speedy handling of claims and payments and its highly affordable rates.

Lemonade's policies start at a monthly rate of $5, but depending on your coverage and how much risk there is in your situation, it could go higher. Based on our survey, the average cost of basic renters insurance coverage is $6.67.

Filing a claim is easy. Just use Lemonade’s app, where you have to answer a few questions and send in a video that explains how the loss or damage occurred, and in most situations, your claim may be paid in as little as three minutes.

Read the full Lemonade renters insurance review.

Lemonade Renters Insurance Pros & Cons

  • Ability to sign up for coverage within minutes.
  • Cheap renters insurance coverage.
  • Best for those looking for instant coverage.
  • Best for those who appreciate having their insurance premiums donated to nonprofit charities.
  • It Covers CT but is only available in 27 states and Washington, D.C.
  • May not be a good fit for those who prefer working with an agent.
  • Doesn’t cover damage caused by pests, like bedbugs.
  • Doesn’t cover utility outages like loss of power, heat, or water.
  • Doesn’t cover damage caused by earthquakes or sinkholes (though damage from wildfires and tornadoes is usually included.)
How is Lemonade Renters Insurance Rated?
PropertyNest Rating4.5 out of 5
J.D. Power (out of 1,000) Score853
BBB RatingB+
NAIC Complaint Index Score1.94

Liberty Mutual: Best for Discounts

Liberty Mutual Renters Insurance CT
Editors star rating review
Editor's Rating (4.5 Stars out of 5)

One of Connecticut's most affordable options for renters insurance is Liberty Mutual, which offers excellent discounts.

The company says policy premiums start at $5 monthly but only for standard coverage.

But if you add any riders or add-ons, your premium will increase.

Liberty Mutual Renters Insurance Discounts

Liberty Mutual has many discounts that can lower your premium rate, including the following:

  • Bundling - You'll get a discount if you bundle renters insurance with auto insurance.
  • Claims-Free - If you haven’t filed a claim with your previous insurance for at least five years.
  • Security Protection - If you have smoke detectors, multiple locks on your door, including a deadlock, and smart home security features like cameras strategically placed outside so you know who is at your door, to name a few.
  • Preferred Payment - If you opt for automatic payments linked to a bank account.
  • Paperless Policy Discount - If you cut off the mail trail to receive policy documents electronically.

Read a full Liberty Mutual home insurance review.

Liberty Mutual Renters Insurance Pros & Cons

  • Available in all 50 states and Washington, D.C.
  • Easy online claims filing.
  • Get discounts when you bundle coverage.
  • Can add on blanket jewelry coverage for all jewelry and high-priced collectibles, for example, with a single combined limit.
  • Great for consumers that want to connect with a local agent.
  • Customer service is available on the weekends.
  • People looking for multiple lines of insurance coverage.
  • Can only purchase up to $25,000 of personal property coverage.
  • Standard policy doesn’t come with water damage coverage.
  • Earthquake coverage not available in all areas (which you don’t need in CT).
  • Discount availability varies from state to state.
  • Drivers with bad driving records may not qualify for any discounts.
  • Difficult to find the covered perils and customer service numbers on the website.
How is Liberty Mutual Renters Insurance Rated?
PropertyNest Rating4.5 out of 5
J.D. Power (out of 1,000) Score834
A.M. Best - Financial Strength RatingA
BBB RatingA+
NAIC Complaint Index Score2.37

Allstate: Best for Bundling Services

Editors star rating review
Editor's Rating (5 Stars out of 5)

Renters insurance from Allstate has been rated high by AM Best Company for Insurance. They offer various discounts and have excellent online tools that help renters identify their best plan.

This multi-policy from one company can easily help you compare against your current coverage through their website. With them, there are no limits regarding discounts for age or even if you're retired.

Lower your monthly renters insurance premiums by bundling them with car insurance. Allstate's Renters Insurance will protect you and your belongings in the event of a fire, robbery, vandalism, or other unforeseen disasters.

Read a full Allstate renters insurance review.

Allstate Renters Insurance Pros & Cons

  • Multi-policy discounts.
  • Clean and easy to use website and tools.
  • Customizable coverage options.
  • Educational resources on website.
  • Affordable premiums.
  • Customer service is sub-par.
How is Allstate Renters Insurance Rated?
PropertyNest Rating5 out of 5
J.D. Power (out of 1,000) Score837
A.M. Best - Financial Strength RatingA+
NAIC Complaint Index Score2.05
BBB RatingA-

State Farm: Best for Customer Service

State Farm Renters Insurance CT
Editors star rating review
Editor's Rating (4.5 Stars out of 5)

State Farm has the best overall customer service for renters in Connecticut.

State Farm prides itself on offering services tailored to meet the needs of each customer.

State Farm's wide range of offerings also makes it well-suited to provide clients with comprehensive protection that fits their lifestyle and budget requirements.

According to the National Association of Insurance Commissioners (NAIC), Allstate has a very low Complaint Index.

That’s also the case for State Farm’s intuitive website.

And when contacting State Farm, renters or prospective renters don’t have to jump through hoops to talk to a real-life customer service rep.

State Farm's response time is fast.

However, renters who need extra coverage to protect valuable items like artwork and rare books should look elsewhere. State Farm lacks the full range of extra coverages many renters want or need.

Read a full State Farm renters insurance editors review.

State Farm Renters Insurance Pros & Cons

  • Great for customers that want to connect with a local agent.
  • Agents offer personalized service.
  • Simple to use website and app.
  • Offers little discounts or any unique endorsements.
  • Offers only two extra coverage options beyond basic coverage: identity theft protection and extended liability.
How is State Farm Renters Insurance Rated?
PropertyNest Rating5 out of 5
J.D. Power (out of 1,000) Score836
A.M. Best - Financial Strength RatingA++
BBB RatingA+
NAIC Complaint Index Score1.77

Travelers Insurance: Best for Coverage Options

Travelers renters insurance CT
Editors star rating review
Editor's Rating (4 Stars out of 5)

Travelers has some of the best customizable coverage compared to other insurances in the same league.

It has double the number of deductibles, medical payments, and loss of use options than other companies.

The fact that you can get additional coverage as an add-on allows for more customization.

In addition to its personal property replacement add-on, Travelers has some unique optional coverages.

Other insurers don’t have two coverages: water backup coverage and equipment breakdown.

Here is the list for additional coverage:

  • Additional coverage package
  • Personal property replacement
  • Decreasing deductible
  • Identity fraud expense
  • Valuable item coverage
  • Extended liability

The downside is that Travelers’ rates are higher than other renters insurance companies on our list.

Also, you have to fork over a year’s worth of coverage as soon as your coverage begins. There is no option for monthly payments.

Travelers Renters Insurance Pros & Cons

  • Great coverage options.
  • Better-than-average service.
  • Useful features on website and app.
  • Numerous discounts (not listed here) are available.
  • Higher rates.
  • You must pay your bill in annual installments.
  • Fewer add-ons than you may expect.
  • In some states, customers have to call to get a quote.
  • Can’t go below $30,000 of personal property.
How is Travelers Renters Insurance Rated?
PropertyNest Rating4 out of 5
J.D. Power (out of 1,000) Score801
A.M. Best - Financial Strength RatingA++
BBB RatingA
NAIC Complaint Index Score3.88

Nationwide: Best for Online Presence

Nationwide Renters insurance CT
Editors star rating review
Editor's Rating (4 Stars out of 5)

So you can’t sign up for renters insurance online with Nationwide.

But the great thing about Nationwide is after you finalize a quote and buy a policy through the agent, you can do everything online.

You can manage your insurance.

You can change your coverage (unique to Nationwide’s online services), file a claim, and make payments.

And with Nationwide, you can always ensure you have the right coverage.

Nationwide’s “On Your Side Review” allows you to get a personalized review of your insurance to ensure you have the right coverage and get all possible discounts.

Nationwide Renters Insurance Pros & Cons

  • Multiple discounts are available to reduce premiums.
  • Basic policies include stolen credit card coverage.
  • Easy add-on coverage for collectibles and high-value items.
  • Claims center open 24/7.
  • Coverage for even the smallest things, like loss of refrigerated food.
  • High premiums.
  • Premiums higher than the national average.
  • 24/7 for claims, but limited time to contact sales and service.
  • Average customer service.
How is Nationwide Renters Insurance Rated?
PropertyNest Rating4 out of 5
J.D. Power (out of 1,000) Score859
A.M. Best - Financial Strength RatingA+
BBB RatingA+
NAIC Complaint Index Score0.04 (Very Low)

The Hartford: Best for Riders

Hartford renters insurance CT
Editors star rating review
Editor's Rating (4.5 Stars out of 5)

The Hartford, based in Connecticut, offers you more coverage over and beyond a standard policy.

These are riders that can broaden your coverage for a fee. Some of the best that The Hartford offers can be found below:

The Hartford Renters Insurance Coverage

  • Zero deductible benefit - Up to $5,000 of your deductible will be waived following a covered loss of at least $27,500. That’s a great benefit!
  • Personal injury coverage - Personal injury will protect you if you're sued for libel or slander.
  • Replacement cost coverage - Replace covered personal property that's damaged or destroyed with new items of similar quality. This means The Hartford isn’t just paying you the depreciated cost (actual cost value or ACV)
  • Earthquake coverage - Personal property damaged or destroyed in an earthquake is covered.
  • Water backup coverage - You're protected if a sump pump overflows or a drain backs up and causes water damage.

Hartford Renters Insurance Pros & Cons

  • Covers built-in improvements on rentals that are damaged by a covered event. For example, built-in bookcases or wallpaper.
  • Discounts for bundling are available.
  • Lower premium for living in a building with a monitored security system or 24-hour security service.
  • The Hartford may require you to be a member of AARP if you are 50 years or older to purchase renters insurance.
  • Flood protection is only available if you take out a flood coverage policy, which will increase your rates.
How is Hartford Renters Insurance Rated?
J.D. Power (out of 1,000)846
A.M. Best - Financial Strength RatingA+
NAIC Complaint Index5

AAA: Best for Young People

AAA renters insurance CT
Editors star rating review
Editor's Rating (4 Stars out of 5)

AAA is known for its low premiums, which is why first-time renters, college students, or recent grads who need to go from a dorm to a rental use the insurance company.

AAA boasts premiums as low as $8 per month, although you need to be an AAA member (which is easy to sign up to receive wildly discounted rates).

The cost is nearly half of the $15 national average for renters insurance,

But remember that the cost for low insurance will vary based on your rental location (such as if it’s in a safe neighborhood and your building has security), the number of roommates you have, and whether you have pets. 

If you are already an AAA member, your renters insurance will only cost a few dollars per month.

If you bundle because your car is backed by AAA auto insurance, you may get roadside assistance benefits and other rewards when you buy an AAA renters policy.

For young people, there is always that risk that your dorm or rental unit will be burglarized or your possessions may be damaged from burst pipes, fires, or other disasters.

Your school or landlord will not cover your damages.

And dorms are easy to break into because most only have a passcode at the dorm door.

It’s easy for a thief to follow a student in to steal your belongings.

And it’s even easier when your dorm has a party that leaks from dorm rooms to halls, and the doors keep opening for students to join in.

AAA Renters Insurance Pros & Cons

  • If the rental is new or recently renovated, the renter will get a discount because the insurance assumes the renter is less likely to file a claim.
  • Raising the deductible will lower monthly insurance rates.
  • Starting at $8 per month, AAA is one of the cheapest renters insurance around.
  • AAA roadside assistance if you bundle auto and renters insurance.
  • Great for those who prefer talking with a dedicated agent.
  • Weather-related catastrophic natural disasters (floods and windstorms, for example) are not covered in a standard policy.
  • No policy purchase or quotes online.
  • Replaces items based on current market values rather than paying you the full amount of the replacement cost.
  • “Useless” app according to reviews.
  • Insurance coverage questions or claims done by contacting rep rather than using the app.

Homesite: Best for Easily Getting a Quote and a Buying a Policy

Editors star rating review
Editor's Rating (4 Stars out of 5)

Homesite is best known for having customized and tailored policies, so you don’t end up paying for coverage you don’t need.

However, the company is also known for its innovative technology.

You can go on Homesite’s website for a quote and buy a policy in only one visit. That saves you a lot of time.

(If you are not online savvy, contact Homesite’s friendly contact center.)

What also saves you time is that you can easily file a claim using the online customer portal, and the renters insurance policy will process your claim fastest and most efficiently.

To start the renters insurance process, you only have to fill out a brief form online that takes a few minutes and is used to customize your quote.

It’s even more efficient to use the Homesite website to view your policy, pay your bills, and enroll in automatic payments and paperless billing, to name a few.

How Well Received is Homesite?

  • A.M. Best: A
  • BBB: A+

Homesite Renters Insurance Pros & Cons

  • Competitive rates.
  • Easy to navigate website.
  • Claims can be filed online.
  • Policy discounts unique.
  • For those who are over 55 on a fixed income pay less.
  • If home is new, you are eligible for a discount.
  • Coverage widely available in the contiguous 48 states.
  • The company's add-ons boost coverage.
  • The basic policy leaves out some coverage that is standard in other renters insurances.
  • Over 100 negative complaints about poor customer service and poor claims resolution.
  • Negative ratings and numerous negative discussions about the company on Reddit.
  • Claims take longer to process than advertised.

Farmers: Best for Claims Satisfaction

Farmers renters insurance CT
Editors star rating review
Editor's Rating (4.5 Stars out of 5)

Farmers is known for its inexpensive insurance policies and personalized attention to your insurance needs.

But what we liked best about Farmers is that it’s highly rated for claims satisfaction.

Filing a claim with Farmers could not be easier, and you don’t have to wait long for reimbursements.

There are five ways to file a claim:

  • You can call your local Farmers insurance agent.
  • You can contact Farmers by calling its claims center.
  • You can file a claim on the Farmers website.
  • You can also file a claim via text.
  • And you can file a claim through the Farmers mobile app.

Remember that while Farmers prides itself on its fast claims process, drawbacks may lengthen the time for a speedier response.

These include how complex your situation is, if other parties involved in the claim are cooperative, and the extent of the damages or if any injuries were involved.

Farmers Renters Insurance Pros & Cons

  • Get a quote or file a claim online.
  • Customer service available seven days a week.
  • Claims service available 24/7.
  • You can get a deductible as low as $100 (other companies go as low as $250).
  • Unique feature: non-smoking households get a discount.
  • Over 90 years of industry experience.
  • Not available in all 50 states.
  • Discount availability varies from state to state.
  • Provides only one add-on coverage option.
  • Insurance rates are higher than the national average.
  • Farmers’ average rates are higher than those of competitors.
How is Farmers Renters Insurance Rated?
J.D. Power (out of 1,000)831
A.M. Best - Financial Strength RatingA
NAIC Complaint Index0.56
Compare Renter Insurance Company Ratings
CompanyPropertyNest RatingJ.D. Power (out of 1,000)A.M Best RatingBBB Rating
Lemonade5.0853Not RatedB+
Liberty Mutual4.5834AA+
State Farm4.5836A++A+
Erie Insurance4.5851*A+A+
Jetty4.0Not RatedAA+

Is Renters Insurance Mandatory to Rent an Apartment in Connecticut

In the state of Connecticut, renters insurance is not mandatory by law for those who are renting an apartment.

While renters insurance is not required by law in Connecticut, some landlords need proof that you have renters insurance before you sign a lease.

But in most cases, landlords don’t necessarily require you to have renters insurance.

The landlord’s insurance protects the building and only the landlord’s personal belongings.

The inside of the building means all common areas, such as elevators, steps, halls, the front desk, and the main entrance or lobby.

Because a landlord can’t cover you, you must protect your personal belongings with renters insurance.

What Does Renters Insurance Cover in Connecticut?

The standard renters insurance policy in Connecticut resembles those in different states. That’s because a standard policy is, well, standard. The riders and add-ons make each renters insurance different and unique.

Liability Coverage

Liability protects you against lawsuits from people who have bodily injuries or property damages that you or your family caused to them.

Liability also covers your legal defense; a standard policy includes up to $100,000 in liability coverage.

For example, if Clifford the Big Red Dog bites your neighbor who is visiting your house and the neighbor needs stitches and medical attention, the policy will pay for any medical bills incurred.

Personal Property Coverage

Personal property coverage pays to repair or replace the stolen or damaged property if there’s a covered peril.

For example, your laptop or your expensive shocking electric green go-to-hell pants.

A covered peril in a standard policy is a damaging event due to theft, vandalism, fire, smoke damage, climate changes like lightning and windstorms, explosions, water damage, and other events listed in your policy.

Most Common Items Stolen in Home Burglaries
Cash or Other Forms of CurrencyBank notes, bullions, gold or silver (non-jewelry), coins, medals, smart cards, stored value cards.Most renters insurance policies will only cover up to $200 in stolen cash.
Electronic EquipmentPhones (iPhones, Androids, etc.), computers, laptops, iPads, earbuds, smart watches, TV sets, gaming systems, Alexa or Google home devices, etc.Standard renters insurance policies cover the loss or damage of electronic devices.
ClothingDesigner purse/handbags, shoes, jewelry, designer watchesStandard renters policies cover your personal clothing or designer handbags etc.
Power ToolsDrills & drivers, saws.Covered under the personal property coverage.
Kitchen appliancesRefrigerators, microwaves, blenders, electric mixers, ice makers, coffee machines, and other appliances.Renters insurance covers personal appliances if they are damaged, stolen, or destroyed by a covered peril.
Prescription drugsWill not cover stolen prescription drugs.
Personal informationBank accounts, identity information stolen from documents, or stolen personal equipment.Most companies do not include identity theft as a covered peril in a standard renters insurance policy.
FirearmsPistols, riflesLegal firearms are covered under personal property coverage.

Loss of Use

This policy covers basic living and temporary housing costs if your unit becomes uninhabitable.

For example, suppose a fire or another covered peril damages your rental so you can no longer live there safely. In that case, loss of use will reimburse you for any hotel stay, restaurant meals, and basic or necessary living expenses.

Medical Payments

This policy pays for medical care if there is bodily injury to a person that occurs in your rental unit, regardless of fault.

Unfortunately, if any damage exceeds the amount of your coverage, you will be responsible for paying the costs that aren’t covered.

Here’s a full list of covered losses found in most Connecticut renters insurance policies:

  • Fire and lightning
  • Windstorm and hail
  • Theft and vandalism
  • Explosions
  • Riots
  • Damage by vehicle
  • Smoke damage
  • Falling objects
  • Weight of snow, ice, and sleet
  • Water damage not caused by flooding

What Does Renters Insurance Not Cover?

Just as it’s important for you to know what your policy covers, it’s also important to know what your policy doesn’t cover.

If the structure of your complex is damaged, that’s not covered.

That falls on the landlord.

Renters insurance also doesn’t cover damages caused by earthquakes or floods.

If you need a flood policy, you can buy an add-on, so you’re covered.

Neighborhoods on the shoreline of Connecticut often increase their coverage of floods because they live near the water.

Residents in Connecticut shoreline towns that typically add flood coverage to their policy include Greenwich, Stamford, Darien, Westport, New Haven, Branford, Guilford, Madison, and Clinton, for example.

A standard policy doesn’t cover flood damage because it’s often catastrophic, and claims can be expensive, making the insurer unable to offer flood insurance.

To get flood coverage, you can go to a private company specializing in flood insurance or the National Flood Insurance Program (NFIP).

Renters insurance also doesn’t cover bugs, pests, or wildlife infestations.

What is the Average Cost of Renters Insurance in Connecticut?

The average basic renters insurance premium in Connecticut is $15.49 a month. The actual cost will change once the insurance evaluates the location where you live for safety concerns and the policyholder’s possessions, to name a few.

The $15.49 quote is based on a policy for a hypothetical 35-year-old person with $15,000 in personal property coverage, $100,000 in liability coverage, and a $500 deductible.

What Factors Increase Your Policy?

There are major factors that increase your policy. These include:

  • The amount of coverage you chose
  • The value of your personal property
  • Whether you decide between ACV (actual cost value) or replacement costs
  • The amount of your deductible
  • The amount of liability coverage you choose

But the most important thing that insurers look at is your rental location.

If crime rates are high where you live, your rate will be higher.

Is the location of your unit prone to natural disasters like severe wind and hurricanes? If so, your policy will go up.

So, not all Connecticut cities have equal renters insurance rates.

Policies are often priced on the local variables, as indicated above.

Can You Lower Renters Insurance Premiums?

The easiest way to get affordable renters insurance in Connecticut is to get quotes from as many insurers as possible.

Remember that your rates will vary depending on your belongings' value and coverage limits.

However, we don't recommend buying a policy based on price alone. Coverage options and customer service matter, too.

Most insurance companies offer various discounts for renters insurance. The most popular ones are listed below:


You'll probably get a discount if you have existing car coverage and buy renters insurance from the same company.


Renters insurance companies discount you based on how secure your rental apartment is.

If you have multiple locks on your unit, burglar and smoke alarms, live in a well-respected and crime-free neighborhood, have a doorman or camera in the lobby, or live in a gated community, you will most certainly get a discount.


You will get a claims-free discount if you’ve never claimed with your insurance.

Great Credit Score

You can get a better rate if you have a FICO score that’s higher than 700. Your rate will increase if your score is “good” or below 650.

Increase Your Deductible

A deductible is an amount the insurer makes you pay before your insurance picks up the tab. If you increase your deductible, your premium rates will be lowered.

Say you increase a deductible from $250 to $500. This can create annual savings of up to 15%.

Auto Pay

If you enroll in automatic payment, you can earn a discount.

When You Need to Purchase a Rider

If you have high-value possessions, note that they will not be covered up by your personal property limit.

To ensure your jewelry is insured to its full value, you need to add a rider to your policy.

A rider or endorsement adds more benefits to your basic renters insurance policy.

It’s an add-on for high-value items exceeding normal policy coverage limits.

The typical standard renters insurance value cap for high-priced items like jewelry is around $10,000.

So if your pearls are appraised at $15,000, you have to pay for the extra $5,000.

However, with the rider, you will be fully covered.

But your rate will go up.

The good thing is that the rate won’t skyrocket.

Riders have low costs since they don’t involve too much underwriting

What is Actual Cash Value vs. Replacement Cost?

When purchasing renters insurance. It’s important to know the difference because the insurance will ask you to decide between both.

Replacement cost insurance pays the actual cost of replacing your possessions. If your laptop gets stolen and is five years old, insurance will pay to purchase a brand new laptop today regardless of depreciation and up to the limits on your policy.

In contrast, the Actual Cash Value (ACV) policy will only reimburse you for the depreciated value of your possessions if they're damaged or destroyed.

Replacement cost is more attractive to customers because their possessions aren’t depreciated.

Do You Need an Inspection for Renters Insurance?

When searching for renters insurance, many prospective renters may ask if an inspection is necessary for this type of coverage.

In most cases, renters insurance does not require an inspection; however, there may be certain situations where an inspection is recommended.

Depending on the policy type and associated risks, renters may find that reinspections are part of their policy process.

Our Methodology

Read our full in-depth renters insurance methodology.

How We Ranked and Picked the Best Renters Insurance Companies in Connecticut

We gathered information from multiple trusted sources and Connecticut's renters insurance companies. We narrowed our search down to the needs of Connecticut residents by prioritizing the following:

Policy Cost

You shouldn’t pay high for renters insurance. We looked at insurers with rates lower than or near the national average and multiple discounts to lower the policy. These accounts ranked higher on the list than others.

Policy coverage

A reputable insurance provider should have a range of policy coverages for your needs. Everyone is different in Connecticut, and that includes renters insurance companies.

We looked at the basic or standard coverage option, unique features that other insurers don’t have, and add-ons or riders to make sure you are sufficiently covered for peril and to make sure you feel safe in your apartment.

Customer Service

Customer service took center stage while looking for insurers.

A company's customer service must be reliable, attentive, and available.

The last one ultimately decided what we put on the list.

We looked at an insurer’s customer service to see if it was open 24/7, or seven days a week, or if it was easy to resolve problems with an agent,

with bonus points for those who had websites and mobile apps where you could buy a policy, check up on it, pay a bill, or change your deductible.

In other words, we looked at those that provided convenience.


We surveyed average renters insurance coverage prices in New Haven, Hartford, Greenwich, Stamford, and Bridgeport.

Augustine Reyes Chan
About the author

As a real estate professional, Augustine Reyes Chan has helped many buyers and sellers through the process of homeownership. He is an expert in the field of how-to for potential buyers, qualifying for a mortgage, and all that goes into car, homeowners, and renters insurance. Augustine Reyes Chan graduated from Columbia University with a degree in Bachelor's degree in Sociology.