“Do I Have the Right Insurance in Connecticut?” Here's What You Should Know in 2025

Published: June 23, 2025

Many Connecticut residents carry insurance policies without knowing if they’re actually protected when it matters most. It’s common to assume that if you’re paying for coverage, you’re in good shape. But with rising repair costs, medical expenses, and weather-related risks in 2025, that assumption can be costly.

According to Mark Castelhano, Principal Agent at Spectrum Insurance, “We’ve reviewed policies that meet minimum legal standards but fall short of protecting the client in real-world situations. Having insurance and having the right insurance aren’t the same thing.”

Here’s what you need to know when evaluating your coverage in Connecticut today.

1. Liability Limits in Connecticut

Connecticut’s legal minimum auto liability coverage is $25,000 per person and $50,000 per accident. While that may meet state requirements, it’s rarely enough to cover hospital bills or legal fees from a serious accident. Many personal injury claims easily surpass $100,000. Drivers who stick with state minimums often find themselves paying thousands out of pocket.

Recommendation: Increase your liability limits to at least $100,000/$300,000 to ensure adequate protection.

2. Uninsured and Underinsured Motorist Coverage

This coverage protects you if another driver causes an accident but doesn’t have enough insurance to cover your losses. Connecticut has a higher-than-average number of underinsured drivers, especially in urban areas. This is one of the most overlooked parts of a policy but one of the most important when serious accidents occur.

Tip: Match this coverage to your own liability limits. If you’d want someone else to have high coverage when they hit you, you should have the same for yourself.

3. Homeowners and Renters Insurance Gaps

Most homeowners policies cover damage from fire, theft, and wind, but exclude floods and earthquakes. Renters often assume their landlord’s policy covers their belongings—it doesn’t. Replacement cost vs. actual cash value also makes a significant difference. If your home is damaged, will your policy pay to fully replace your belongings or just depreciated value?

Make sure you understand how your policy handles personal property, temporary living expenses, and weather damage. Connecticut’s harsh winters can lead to costly claims from burst pipes and ice dams—both of which may require endorsements.

4. Flood Coverage Isn’t Standard

Flood damage is not included in most homeowners policies. Even if you’re not in a designated flood zone, rising rainfall patterns and storm surges are increasing the risk of water intrusion. A single inch of water can cause over $20,000 in property damage. You don’t need to live near a river to be vulnerable. Check FEMA flood maps and ask your agent if a flood policy makes sense for your area.

5. Health Insurance Considerations in Connecticut

Health plans in CT vary widely in terms of network, coverage tiers, and out-of-pocket maximums. Many residents rely on employer-sponsored plans, but those purchasing through Access Health CT should be especially careful about deductibles and what’s considered in-network care. Choosing the lowest premium can lead to high out-of-pocket expenses if you face a serious diagnosis or emergency.

Ask: What are my copays for specialists? What’s my ER visit cost? What’s my annual out-of-pocket max?

6. Why Working with a Local, Independent Agent Matters

Online quote tools may be fast, but they don’t account for your specific needs, lifestyle, or regional risks. An independent agency works with multiple carriers to customize coverage based on real life, not algorithms.

Mark Castelhano puts it this way: “People don’t want more insurance—they want the right protection. Our job is to bridge that gap between affordability and true peace of mind.”

Frequently Asked CT Insurance Questions

Is car insurance required in Connecticut?

Yes. The state requires liability coverage of at least $25,000 per person and $50,000 per accident, along with $25,000 in property damage liability.

How much is car insurance in Connecticut?

As of 2025, average annual premiums in CT range from $1,500 to $2,200 depending on age, location, driving history, and vehicle type.

How can I lower my insurance rates in CT?

Bundle policies (home and auto), maintain a clean driving record, raise deductibles if financially feasible, and ask your agent about telematics or low-mileage discounts.

Does homeowners insurance cover floods in Connecticut?

No. You need a separate flood policy, which can be purchased through the National Flood Insurance Program (NFIP) or private insurers.

Should I get renters insurance if I live in an apartment?

Yes. Your landlord’s policy won’t cover your personal belongings or liability if someone is injured in your unit. Renters insurance is typically under $20/month and can offer thousands in protection.

Conclusion

The best insurance policy is the one you don’t think about—until you need it. At that moment, it either saves you financially or leaves you exposed. If it’s been more than a year since you reviewed your coverage, now is the time.

Spectrum Insurance offers free policy reviews for Connecticut residents. No pressure. Just honest advice.

Call (860) 785-4854 or request your free review today.

Disclaimer:  This blog is intended for informational purposes only and should not be considered legal, financial, or insurance advice. Coverage recommendations are general in nature and may not apply to your specific situation. Spectrum Insurance LLC is a licensed insurance agency in the state of Connecticut. Insurance products, terms, and availability may vary by carrier and state. Always consult directly with a licensed insurance professional to review your individual needs and policy details. Find Spectrum Insurance's licensing information here: License Information