What We’re Seeing Right Now in the Connecticut Insurance Market
The insurance market in Connecticut continues to evolve. While the headlines may focus on national trends, what matters most is what’s happening locally — and how it affects your home and auto coverage.
Here’s a straightforward look at what we’re seeing right now and what it means for Connecticut homeowners and drivers.
1. Roof Age Is Under More Scrutiny
Roof age has become one of the biggest underwriting factors in homeowners insurance.
Many carriers are:
-
Asking for roof updates at renewal
-
Requesting inspection photos
-
Limiting coverage on older roofs
-
Requiring replacement if a roof is 15–20 years old
Connecticut’s older housing stock makes this especially important.
What this means for you:
If your roof is aging, it’s better to plan ahead than be surprised at renewal time. We’re happy to review your policy and discuss options before it becomes urgent.
2. Higher Deductibles Are Becoming More Common
We’re seeing more policies move from:
-
$1,000 deductibles
to -
$2,500 or higher
Some carriers are also introducing percentage-based wind or hurricane deductibles.
What this means for you:
Make sure you understand what your deductible actually is — and what it would cost out of pocket in a claim. This is an area where small adjustments can make a big difference.
3. Water Damage Remains the #1 Homeowners Claim
In Connecticut, we continue to see claims from:
-
Frozen pipes
-
Washing machine hose failures
-
Water heater leaks
-
Sump pump backups
Carriers are paying close attention to repeat water losses.
What this means for you:
Simple prevention steps — maintaining heat in winter, replacing older hoses, checking sump pumps — can help avoid larger problems. If you have questions about water backup coverage or endorsements, we’re glad to review that with you.
4. Rebuilding Costs Are Still Elevated
Construction labor and material costs in Connecticut remain significantly higher than they were five years ago.
Even modest homes can cost far more to rebuild than many homeowners expect.
What this means for you:
Underinsurance is more common than most people realize. A periodic coverage review helps ensure your dwelling limit reflects today’s rebuilding costs — not yesterday’s.
5. Auto Insurance Is Stabilizing — But Repairs Are Expensive
While rate increases have slowed in some cases, vehicle repairs are still costly.
Modern vehicles include:
-
Advanced safety systems
-
Sensors and cameras
-
Specialized materials
Even minor accidents can result in substantial repair bills.
What this means for you:
Carrying the right liability limits — and considering an umbrella policy — is more important than ever.
A Steady Approach in a Changing Market
Insurance is changing. Our role at Page Insurance Ltd. is to help you stay ahead of it — calmly, clearly, and without surprises.
If it’s been a while since we reviewed your coverage, or if you’ve made changes to your home or household, we’re happy to take a look and make sure everything is aligned.
A short conversation today can prevent bigger issues tomorrow.