Connecticut Focus

The Connecticut FAIR Plan is the property insurer of last resort. Its $350,000 dwelling limit, named-peril coverage and exclusions make it a stopgap, especially for high-value and coastal homes.

Connecticut makes dog owners and keepers strictly liable for injuries their dogs cause, with narrow exceptions. How homeowners and umbrella policies respond, and the breed and bite-history exclusions to watch.

Going from a Manhattan co-op to a Greenwich, Darien or Westport house changes almost every policy you own. The insurance checklist for New Yorkers moving to Connecticut.

Connecticut's automatic orders restrict changing insurance during a divorce, and the end of a marriage splits policies that were built as one program. What to keep, what to split, and when.

What Connecticut homeowners are paying in 2026, how much the Insurance Department has let rates rise since 2022, the October 2026 rate decreases, and the factors that actually move your premium.

Connecticut full-coverage auto insurance estimates for 2026 run from about $2,300 to $3,850 a year. Here is why the numbers disagree, what the October 2026 rate decreases mean, and what actually sets your price.

Connecticut is an at-fault (tort) state, not a no-fault state. What that means for who pays after a crash, the 51% comparative negligence rule, deadlines, and the coverages that protect you.

Connecticut homeowners policies generally do not pay to replace a foundation damaged by pyrrhotite. What the Connecticut Supreme Court decided, how CFSIC assistance works in 2026, and what buyers and owners in eastern Connecticut should do.

In many Connecticut towns, the homeowner or business next to a public sidewalk, not the town, is liable when someone slips on snow or ice. How Section 7-163a works and how your insurance responds.

A step-by-step guide to challenging a denied or underpaid home or auto claim in Connecticut: the denial letter, appraisal, public adjusters, and filing a complaint with the Connecticut Insurance Department.

Short, direct answers to the questions Connecticut residents and business owners ask most about home, auto, flood, umbrella and commercial insurance, with links to our full guides.

What changes on your home and auto insurance when you move to Connecticut from another state, and why a licensed advisor reviews it instead of a quote calculator.

What shapes auto insurance for New London, CT drivers - Connecticut requirements, local factors, and why an advisor reviews the details instead of an instant online quote.

Connecticut became the first state to give every resident an address-level climate risk score at no cost. Here is what the five risk categories actually measure, and why one independent study says the flood number runs high.

Connecticut requires 25/50/25 liability plus uninsured and underinsured motorist coverage. Here is what those limits actually buy, where they fail a household with assets, and how to size auto limits properly.

A family with a nanny, housekeeper, estate manager or regular groundskeeper is an employer. Here is why homeowners liability does not substitute for workers compensation, and what else follows.