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Press Releases - January 12, 2017

 Contact: Donna Tommelleo, 860-297-3958
Insurance Commissioner: Market Remains Strong
For Homeowner Insurance on CT Coastline
New Report Examines Impacts of Storms on Availability

With new carriers entering the state each year and existing companies continuing to build their blocks of business, the homeowner market in Connecticut remains strong and competitive.

Commissioner Katharine L. Wade says those are just some of the findings of the Department’s new report on the availability of homeowner insurance along the shoreline and throughout Connecticut. 

“We wanted to make sure that carriers were writing policies in all corners of the state and that the impacts of storms such as Irene and Sandy as well as recent damaging winters did not have an adverse impact on insurance options for homeowners, particularly for coastal homeowners,” Commissioner Wade said.

“The Study of the Connecticut Homeowner Insurance Market and Coastal Affordability and Availability” examined data from 2013 through June 2015. The CID worked with the National Association of Insurance Commissioners (NAIC) to compile information from 94 homeowner insurance companies.

Some highlights of the report include:

  • 65% of all new business written in 2014 was in the coastal counties
  • Average CT premium for new coastal policies had decreased by 1.4% between  2013 and mid-2015
  • Average CT premium for new policies has increased by 6.5% since 2013
  • Since 2010, 19 new licensed insurers have begun or expanded their homeowners business in Connecticut.

“All homeowners benefit when there is a competitive insurance market in the state,” Commissioner Wade said. “Competition means more consumer choices that fit different needs and different budgets.”

About the Connecticut Insurance Department: The mission of the Connecticut Insurance Department is to protect consumers through regulation of the industry, outreach, education and advocacy. The Department recovers an average of $4 million yearly on behalf of consumers and regulates the industry by ensuring carriers adhere to state insurance laws and regulations and are financially solvent to pay claims. The Department’s annual budget is funded through assessments from the insurance industry. Each year, the Department returns an average of $100 million a year to the state General Fund in license fees, premium taxes, fines and other revenue sources to support various state programs, including childhood immunization.
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