Home Insurance in Connecticut

From shoreline towns to the hills of Litchfield County, Connecticut homeowners face a wide range of risks—from winter storms to regional flooding and property theft. At F&T Insurance Agency, we help families across the state protect what matters with Connecticut home insurance backed by personal service and local understanding.

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For Every Style of Home

Home Insurance That Fits Connecticut Living

From New Haven’s city streets to historic homes in Simsbury, we tailor homeowners insurance CT residents can rely on. We walk you through coverage options and help you compare CT home insurance rates so you can feel confident in your protection—wherever you live in the state.

Storm Damage

Heavy snow, hail, and seasonal winds can take a toll on Connecticut properties. Our policies offer smart protection against common weather-related damage.

Fire & Theft

Whether you’re in downtown Hartford or a quiet cul-de-sac in Cheshire, we protect your home’s structure and personal belongings against fire, theft, and more.

Liability Protection

Injuries and accidents happen. Our Connecticut home insurance coverage includes personal liability to shield you from unexpected legal or medical expenses.

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Questions We Hear in CT

  • What’s typically included in a Connecticut home insurance policy?

    Most policies cover your dwelling, belongings, liability protection, and living expenses if your home becomes unlivable.

  • Is homeowners insurance required in Connecticut?

    It’s not legally required if your home is paid off, but most lenders require it—and it’s strongly recommended for all property owners.

  • Does home insurance cover floods in CT?

    No. Flood protection is a separate policy. We help assess flood risk near the Connecticut River, Long Island Sound, and inland lakes.

  • Can I bundle home and auto for better rates?

    Absolutely. Bundling is one of the best ways to lower your CT home insurance rates while simplifying your coverage.

  • How do I find the best policy?

    We shop across carriers to find homeowners insurance CT residents can trust—balanced coverage with competitive pricing.

Here When You Need Us

Let’s Protect Your Connecticut Home

At F&T Insurance Agency, we don’t believe in one-size-fits-all coverage. We believe in one-on-one conversations, thoughtful recommendations, and personal support—every step of the way.

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