--- title: "Connecticut Homeowners Insurance Increase: Why Premiums Are Rising and What You Can Do About Yours" description: "Connecticut homeowners rate filings averaged an 8.7% allowed increase in 2025. See what to check on a renewal notice, what to ask and how to compare quotes." url: "https://riskado.com/connecticut-homeowners-insurance-increase/" lang: "en" published: "2026-09-30" modified: "2026-09-30" tags: ["homeowners-insurance","premium-increase","renewal-notice","rate-filings","nonrenewal"] image: "https://riskado.com/og/blog-connecticut-homeowners-insurance-increase.jpg" alternates: es: "https://riskado.com/es/aumento-del-seguro-de-casa-en-connecticut.md" --- # Connecticut Homeowners Insurance Increase: Why Premiums Are Rising and What You Can Do About Yours Riskado Sep 30, 2026 · 11 min read · Updated Sep 30, 2026 ![Mailbox with its flag up at the end of a snowy driveway with a white colonial house soft in the background](https://riskado.com/blog/connecticut-homeowners-insurance-increase/featured.jpg) Connecticut [homeowners insurance](https://riskado.com/insurance-terms/homeowners-insurance/) increases are not one statewide percentage for every [policyholder](https://riskado.com/insurance-terms/policyholder/). [Insurers](https://riskado.com/insurance-terms/insurer/) recorded 107 homeowners rate filings in 2024, with an average increase requested of 14.4% and an average increase allowed of 13.5%, according to the [Connecticut Insurance Department's 2024 rate review (opens in a new tab)](https://portal.ct.gov/cid/-/media/cid/reports/property-and-casualty-rate-review/2025-pc-insurance-rate-review.pdf). For 2025, the [Department's 2025 rate review (opens in a new tab)](https://portal.ct.gov/cid/-/media/cid/reports/property-and-casualty-rate-review/2026-pc-insurance-rate-review.pdf) reports 96 filings, an average request of 9.1%, and an average allowed increase of 8.7%. Those are annual averages across filings, not a prediction of your renewal. Start by comparing the renewal notice with your [declarations page](https://riskado.com/insurance-terms/declarations-page/), then ask the insurer or agent what changed, ask about [deductible](https://riskado.com/insurance-terms/deductible/) and discount options, and compare equivalent [coverage](https://riskado.com/insurance-terms/coverage/) before the current policy ends. ### Key takeaways - **2024 filings**Insurers recorded 107 homeowners rate filings, with an average increase requested of 14.4% and an average increase allowed of 13.5%. - **2025 filings**Insurers recorded 96 filings, with an average request of 9.1% and an average allowed increase of 8.7%. - **Averages, not your renewal**Those are annual averages across filings, not a prediction of your own renewal. - **Start with the paperwork**Compare the renewal notice with your declarations page, then ask the insurer or agent what changed. - **Ask and compare**Ask about deductible and discount options, and compare equivalent coverage before the current policy ends. ## What should you do after a Connecticut homeowners insurance increase? Work through four steps, in this order, and keep the dates in view. 1. Put the new renewal notice next to last year's declarations page. The declarations page lists your coverage amounts and deductibles, and the premium, limits, deductibles, discounts and rating factors can each change on their own. 2. Ask the insurer or agent for a breakdown of the change. The [Department's homeowners guidance (opens in a new tab)](https://portal.ct.gov/cid/consumer-information-center/homeowner-and-renter-insurance) advises reviewing the declarations page with them and asking what changed. 3. Ask about deductible options and discounts. 4. Get quotes from other insurers at the same limits, deductibles, exclusions and endorsements, and finish before the current policy ends so there is no lapse. If the answers are thin, you can ask the Connecticut Insurance Department to look at your question. ![Two printed policy pages laid side by side on a desk with a pen, a notepad and a cup of coffee](https://riskado.com/blog/connecticut-homeowners-insurance-increase/renewal-paperwork.jpg) Put the renewal notice next to last year's declarations page. ## How much have Connecticut homeowners insurance filings changed? Each annual review counts the filings, then gives the average insurers asked for and the average the Department allowed. The two most recent years: **2024 (report published January 15, 2025):** 107 homeowners rate filings, an average increase requested of 14.4%, and an average increase allowed of 13.5%. These are averages across filings reviewed during calendar year 2024. Source: [CID 2024 Property and Casualty Insurance Rate Review (opens in a new tab)](https://portal.ct.gov/cid/-/media/cid/reports/property-and-casualty-rate-review/2025-pc-insurance-rate-review.pdf). **2025 (report published in 2026):** 96 homeowners rate filings, an average increase requested of 9.1%, and an average increase allowed of 8.7%. These are averages across filings reviewed during calendar year 2025. Source: [CID 2025 Property and Casualty Insurance Rate Review (opens in a new tab)](https://portal.ct.gov/cid/-/media/cid/reports/property-and-casualty-rate-review/2026-pc-insurance-rate-review.pdf). Connecticut homeowners rate filings, 2024 and 2025 Hover or tap a row to highlight it. | Year | Filings recorded | Average increase requested | Average increase allowed | Source | | --- | --- | --- | --- | --- | | 2024 | 107 | 14.4% | 13.5% | [CID 2024 rate review (opens in a new tab)](https://portal.ct.gov/cid/-/media/cid/reports/property-and-casualty-rate-review/2025-pc-insurance-rate-review.pdf) | | 2025 | 96 | 9.1% | 8.7% | [CID 2025 rate review (opens in a new tab)](https://portal.ct.gov/cid/-/media/cid/reports/property-and-casualty-rate-review/2026-pc-insurance-rate-review.pdf) | The 2025 review puts the potential premium increases saved at $10.34 million, compared with $34.512 million in 2024. Those savings compare requested and allowed amounts across filings, so they do not translate into a reduction on any one policy. Two terms matter here. A requested increase is what the insurer asked for in its filing. An allowed increase is what the Department approved. Neither one is the number on your renewal notice, because each insurer adjusts its rates for its own book of business, and your premium then reflects your property's characteristics. Average homeowners rate increase, requested and allowed 2024 requested14.4 2024 allowed13.5 2025 requested9.1 2025 allowed8.7 ## Why are insurers requesting higher homeowners rates? These pressures drive filings, according to the Department's [notice on rate increases (opens in a new tab)](https://portal.ct.gov/cid/consumer-information-center/consumer-alerts/2024-consumer-alerts/notice-2024-06-26) and annual reviews: - Inflation and supply-chain constraints - Repair and construction costs - Severe weather events - Each company's overall loss experience and its Connecticut loss experience - Hurricane exposure - Reinsurance costs - More restrictive underwriting and catastrophe exposure Reinsurance is the insurance that insurers buy to help pay claims and stay solvent. Increased global catastrophe losses, coastal populations, property values and demand surge all push reinsurance costs up, according to the Department's [coastal market report (opens in a new tab)](https://portal.ct.gov/cid/-/media/cid/finalcoastalreportpdf.pdf). Severe weather nationally strains the homeowners market, which raises reinsurance costs and adds pressure to rates and underwriting, according to the 2024 annual report. Construction costs vary with the type of home, material availability, local climate and building regulations, according to the [NAIC 2023 Homeowners Report (opens in a new tab)](https://content.naic.org/sites/default/files/publication-hmr-zu-homeowners-report.pdf). A premium can also rise without a claim from you. Consumers can see an increase even without filed claims or violations, according to the Department's notice. ![A suburban New England house with a ladder against one wall and stacked roofing materials on the driveway](https://riskado.com/blog/connecticut-homeowners-insurance-increase/rising-costs.jpg) Repair costs, weather and reinsurance all feed into filed rates. ## How does Connecticut review homeowners rate filings? Insurers submit their own proposed rates and supporting information, and the Department reviews the filings. No single statewide homeowners premium exists. Homeowners insurance falls under Connecticut's personal-risk rating statutes: - [C.G.S. § 38a-686 (opens in a new tab)](https://www.cga.ct.gov/current/pub/chap_701.htm#sec_38a-686): standards for making and using personal-risk rates. - [C.G.S. § 38a-687 (opens in a new tab)](https://www.cga.ct.gov/current/pub/chap_701.htm#sec_38a-687): whether the market is competitive, with a hearing on competition. - [C.G.S. § 38a-688 (opens in a new tab)](https://www.cga.ct.gov/current/pub/chap_701.htm#sec_38a-688): review of personal-risk rates and residual markets in competitive and noncompetitive markets. - [C.G.S. § 38a-688a (opens in a new tab)](https://www.cga.ct.gov/current/pub/chap_701.htm#sec_38a-688a): personal-risk rate filings and flex-rating authority. - [C.G.S. § 38a-689 (opens in a new tab)](https://www.cga.ct.gov/current/pub/chap_701.htm#sec_38a-689): insurer underwriting rules for homeowners policies. How a particular filing is treated depends on the market it falls in. A separate process now sits on top of rate review. Beginning January 1, 2027, the renewal billing notice for a covered policy with an increasing premium must explain how to request a reasonable explanation. The insurer must give that explanation within 20 business days after receiving the request, and it must accept requests by mail, telephone and email, according to [CID Bulletin PC-94-26 (opens in a new tab)](https://portal.ct.gov/cid/-/media/cid/1_bulletins/bulletin-pc-94-26.pdf) (issued September 17 and revised September 22, 2026). ## What should you check on the renewal notice? Compare each of these entries with the prior policy: - **Premium:** the new total and any billing change. - **Dwelling limit:** whether the Coverage A amount moved. A higher premium does not mean the limit changed, and a changed limit can be part of the increase. - **Deductible:** the flat dollar amount or percentage. A separate wind or hail deductible can be a flat amount or a percentage of the Coverage A limit, according to the [Department's storm claims FAQ (opens in a new tab)](https://portal.ct.gov/cid/knowledge-base/articles/homeowners-storm-claims). - **Discounts:** whether one expired or was removed. - **Endorsements:** any added or dropped. - **Roof terms:** some policies pay actual cash value for a roof while paying replacement cost for other parts of the home, and a policy can carry a special roof deductible, according to the Department's [post-disaster claims guide (opens in a new tab)](https://portal.ct.gov/cid/-/media/cid/1_brochures/claims-disaster-guide.pdf). - **Wind, hail and hurricane terms:** Connecticut insurers may offer a windstorm or hail deductible but may not mandate one. A hurricane deductible applies only under specific statutory storm conditions. - **Exclusions:** standard homeowners policies generally exclude [flood damage](https://riskado.com/connecticut-flood-insurance/), according to the [Department's flood insurance center (opens in a new tab)](https://portal.ct.gov/cid/consumer-information-center/flood-insurance). Property, location, protective devices, claims, credit and deductible all feed into a premium, along with construction type and year, hurricane risk and coverage amount, according to the Department's [factors-affecting-premiums page (opens in a new tab)](https://portal.ct.gov/cid/searchable-archive/connecticut-insurance-information/homeowners-insurance---what-affects-premiums). ![A printed renewal packet on a kitchen table with highlighters, a pen and a pair of reading glasses](https://riskado.com/blog/connecticut-homeowners-insurance-increase/notice-review.jpg) Premium, limits, deductibles and discounts can each change on their own. ## What should you ask your insurer or agent? Bring written questions. Start with the changes: - What changed between last year's declarations page and this renewal? - Did the dwelling, other structures, personal property, liability or additional-living-expense limit change? - Did the deductible change, and is there a separate wind, hail, hurricane or roof deductible? - Did the policy add or remove an endorsement? - Is the roof paid on a [replacement-cost or actual-cash-value](https://riskado.com/replacement-cost-vs-actual-cash-value/) basis, and did the insurer change the roof-age or property-condition rating? - Did a discount expire or get removed? Then ask about the cause and your options: - What part of the increase is the insurer's filed rate change, and what part comes from changes to this policy or property? - Can the insurer give the reason for the increase in writing? - For an applicable 2027 renewal, where should a written explanation request go? - What deductible options are available? - Which discounts exist under the insurer's filed rating plan? - Are documented alarms, updates, roof work, plumbing work, wiring work or mitigation measures reflected in the rating? If the policy will not be renewed, ask for the exact effective date and the reason, the deadline for replacing coverage without a lapse, and the documents another insurer will need for a comparable quote. ## Can you change the policy or compare other insurers? Yes, and you can do both at once. Ask about a higher deductible, and ask whether discounts apply for a qualifying alarm system, tree trimming or removal, removal of excess yard debris, plumbing or wiring upgrades, or roof replacement. Those are the items the [Department's homeowners guidance (opens in a new tab)](https://portal.ct.gov/cid/consumer-information-center/homeowner-and-renter-insurance) points homeowners to ask about. Whether any of them changes your rate depends on the insurer's rating plan, so the answer has to come from the insurer. When you compare other insurers, match the limits, deductibles, exclusions and endorsements, or the quotes will not line up. A lower quote at a lower dwelling limit or a higher deductible is a different product. Keep the current policy in force until the new one has a start date, and check whether your mortgage lender will accept the replacement policy. A [licensed agency](https://riskado.com/how-to-choose-an-insurance-agent/) can run quotes from the companies it represents and walk through a declarations page with you. ![Three printed quote summaries laid side by side on a wooden table with a notepad and a pen](https://riskado.com/blog/connecticut-homeowners-insurance-increase/matching-quotes.jpg) Quotes line up only when limits, deductibles and endorsements match. ## What are Connecticut's cancellation and nonrenewal rules? Nonrenewal and cancellation are separate actions with separate notice rules. **Nonrenewal.** An insurer refusing to renew a covered homeowners policy must send or deliver at least 60 days' advance notice under [C.G.S. § 38a-323 (opens in a new tab)](https://www.cga.ct.gov/current/pub/chap_700.htm#sec_38a-323). The notice goes to the named insured at the address on the policy, or electronically if the parties agreed to electronic delivery. The same statute addresses conditional renewals and premium billing notices. **Cancellation.** Homeowners policies issued, renewed, amended or endorsed on or after July 1, 2021 fall under [C.G.S. § 38a-316g (opens in a new tab)](https://www.cga.ct.gov/current/pub/chap_700.htm#sec_38a-316g). On a policy in effect fewer than 60 days, cancellation for nonpayment needs at least 10 days' written notice, and other permitted grounds need at least 30 days' notice. Further conditions and exceptions apply, so read the actual notice and the statute text. **Protections tied to claims.** Under [C.G.S. § 38a-316d (opens in a new tab)](https://www.cga.ct.gov/current/pub/chap_700.htm#sec_38a-316d), an insurer cannot decline, cancel or nonrenew based solely on losses from declared catastrophic events. Action based solely on a claim from a period when someone else owned the property is restricted, unless the originating risk has not been mitigated. Cancellation, nonrenewal or a premium increase is also barred when it rests solely on a policy inquiry or on a claim that resulted in less than $500 in loss payment or none. An exception applies to multiple noncatastrophic claims within the prior three policy years. Connecticut homeowners notice rules at a glance Hover or tap a row to highlight it. | Situation | Notice or rule | Statute | | --- | --- | --- | | Nonrenewal of a covered homeowners policy | At least 60 days' advance notice | [C.G.S. § 38a-323 (opens in a new tab)](https://www.cga.ct.gov/current/pub/chap_700.htm#sec_38a-323) | | Policy in effect fewer than 60 days, cancellation for nonpayment | At least 10 days' written notice | [C.G.S. § 38a-316g (opens in a new tab)](https://www.cga.ct.gov/current/pub/chap_700.htm#sec_38a-316g) | | Policy in effect fewer than 60 days, other permitted grounds | At least 30 days' notice | [C.G.S. § 38a-316g (opens in a new tab)](https://www.cga.ct.gov/current/pub/chap_700.htm#sec_38a-316g) | | Claim that resulted in less than $500 in loss payment, or none | Cancellation, nonrenewal or a premium increase is barred when it rests solely on it, with an exception for multiple noncatastrophic claims in the prior three policy years | [C.G.S. § 38a-316d (opens in a new tab)](https://www.cga.ct.gov/current/pub/chap_700.htm#sec_38a-316d) | | Renewal billing notice for a covered policy with an increasing premium, from January 1, 2027 | Must explain how to request a reasonable explanation, answered within 20 business days | [CID Bulletin PC-94-26 (opens in a new tab)](https://portal.ct.gov/cid/-/media/cid/1_bulletins/bulletin-pc-94-26.pdf) | ## What if coverage is unavailable? Homeowners who could not find coverage in the admitted market have had two options, according to the Department's [coastal market report (opens in a new tab)](https://portal.ct.gov/cid/-/media/cid/finalcoastalreportpdf.pdf): a policy from an excess and surplus lines carrier, or a dwelling-fire policy through the Connecticut FAIR Plan. A proposed Coastal Market Assistance Plan would give coastal homeowners who want more coverage than the FAIR Plan offers another option. The plan is a Department recommendation, and it is not confirmed as open to every homeowner. Availability, eligibility and application steps change, so ask the Connecticut Insurance Department or a licensed producer which admitted-market, surplus-lines, FAIR Plan or coastal-assistance options are open to your property today. ## How do you contact the Connecticut Insurance Department or verify a producer? The [Department's complaint and question page (opens in a new tab)](https://portal.ct.gov/cid/file-a-complaint) takes an online complaint or an online question. You can also email insurance@ct.gov or call the Consumer Affairs helpline at 800-203-3447 or 860-297-3900. Include the renewal notice, declarations page, insurer correspondence, policy number, dates, and a clear description of the question. To verify a producer, use the [Department's Licensing page (opens in a new tab)](https://portal.ct.gov/cid/Licensing) and its State Based Systems [Connecticut insurance license lookup (opens in a new tab)](https://sbs.naic.org/solar-external-lookup/?jurisdiction=CT). A producer license is authority to solicit, negotiate or sell specified lines, including property and casualty and personal lines, according to the [Department's producer page (opens in a new tab)](https://portal.ct.gov/cid/licensing/producer-individual?language=en_US). ## Documents to gather before you call - Renewal notice - Current and prior declarations pages - Full policy and endorsements - Premium and billing history - Any cancellation or nonrenewal notice - Roof age and repair records - Records of plumbing, wiring, alarm, sprinkler or storm-protection updates - Claims history and claim correspondence - Mortgage lender requirements - Your written questions - Comparable quotes with matching limits, deductibles, exclusions and endorsements **Quiz: Check what you know about Connecticut homeowners insurance increases** 1. Does the 2025 average allowed increase of 8.7% predict every policyholder's increase? - Yes, every policyholder gets 8.7% - No, it is an average across filings and not a prediction of one renewal **(correct answer)** - Yes, but only for coastal homes 2. Can a homeowners premium rise even when the homeowner has filed no claim? - No, only claims raise a premium - Yes, increases can come without filed claims or violations **(correct answer)** - Only if the dwelling limit changes 3. Are wind or hail deductibles mandatory in Connecticut? - Yes, every policy must carry one - No, insurers may offer them but may not mandate them **(correct answer)** - Only in coastal towns 4. Does a standard homeowners policy generally cover flood damage? - Yes, flood is part of every policy - No, flood damage is generally excluded **(correct answer)** - Only when the storm is a hurricane 5. How long does an insurer have to give a reasonable explanation after a qualifying request for a 2027 renewal? - Within 20 business days **(correct answer)** - Within 5 business days - There is no deadline ## Frequently asked questions ### Why did my homeowners insurance go up by 50%, or any large amount? A jump that size is a question to put to the insurer. Ask what portion is the filed rate change and what portion comes from your dwelling limit, deductible, discounts, roof terms or property rating. Statewide figures are averages across filings, 8.7% allowed for 2025, so your own figure needs the insurer's breakdown. ### How much will homeowners insurance go up in 2026? The Department's most recent figure is the 2025 average allowed increase of 8.7%, across 96 filings. An average across filings does not predict one homeowner's renewal, and the insurer's renewal notice gives your actual number. ### How much is homeowners insurance on a $500,000 house, or how much coverage should a $400,000 house carry? Premium and dwelling limit both depend on the property, and a home's market value is a different figure from its dwelling limit. In 2022, Connecticut families paid nearly $2,000 a year on average across nearly 800,000 policies, which is dated context and not a quote, according to the [2025 Severe Weather Mitigation and Resiliency Advisory Council report (opens in a new tab)](https://portal.ct.gov/cid/-/media/cid/reports/ct-severe-weather-mitigation-and-resiliency-advisory-council-final-report-06-2025.pdf). Ask a licensed agent how the [dwelling limit](https://riskado.com/how-much-homeowners-insurance-do-i-need/) on your policy was set and what it would be at other limits. ### How much notice does Connecticut require before a nonrenewal? At least 60 days' advance notice for a covered homeowners policy, under [C.G.S. § 38a-323 (opens in a new tab)](https://www.cga.ct.gov/current/pub/chap_700.htm#sec_38a-323). Ask the insurer for the exact effective date so you can line up replacement coverage before it. ## Your next step Take the questions list and the document checklist to a licensed insurance agency, and confirm the agent's license on the [Connecticut insurance license lookup (opens in a new tab)](https://sbs.naic.org/solar-external-lookup/?jurisdiction=CT) first. Ask for quotes at the same limits and deductibles as your current policy, and ask for your options with enough time to renew without a gap. ### Terms used in this guide Tap a term to see what it means. **Declarations page.** The page of a policy that lists your coverage amounts, limits and deductibles. ## More articles - [Alabama Homeowners Insurance: Why Rates Are High and Rising, What Drives Your Price, Coastal and Inland Differences and What to Do at Renewal](https://riskado.com/alabama-homeowners-insurance/): Alabama's average HO-3 premium was $1,906 in 2023, per the NAIC. See why rates rise, how coastal and inland homes differ and what to check at renewal. - [New York Homeowners Insurance: What It Costs, What It Covers, and How to Compare Quotes](https://riskado.com/new-york-homeowners-insurance/): New York homeowners insurance averaged $1,628 for the HO-3 form in NAIC's 2022 report. See what a policy covers, leaves out, and how to compare quotes. - [Maine Homeowners Insurance: What It Costs, What It Covers, and How to Compare Quotes](https://riskado.com/maine-homeowners-insurance/): The average Maine HO-3 homeowners premium was $1,150 for 2023, below the $1,737 national average. See what a policy covers, what it omits and how to compare. - [Massachusetts Homeowners Insurance: What It Costs, What It Covers, and Why Premiums Are Rising](https://riskado.com/massachusetts-homeowners-insurance/): No Massachusetts law requires homeowners insurance, but lenders can. The 2023 average HO-3 premium was $2,134. See coverage, exclusions and why rates rose. ## Newest guides 1. [1Additional Insured: What It Means, How It Differs From a Certificate, and What It Costs](https://riskado.com/additional-insured/) 2. 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