Business Owners Policy (BOP) Insurance Agencies in Connecticut

Connecticut at a glance

• 69business owners policy (bop) insurance agencies listed
• 33.5%of households rentRenters insurance
• $366,900median home valueHome insurance
• 1967median year homes were builtRebuild cost calculator
• 8.8%of households have no carAuto insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Connecticut

How many of Connecticut’s 9 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

• Hurricane6 of 9 counties

  Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.

  Home insurance in Connecticut
• Inland flooding5 of 9 counties

  Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

  Flood insurance in every state
• Winter weather5 of 9 counties
• Ice storm5 of 9 counties

  Very High in South Central Connecticut Planning Region, Capitol Planning Region.

• Strong wind4 of 9 counties

  Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.

  Home insurance in Connecticut
• Coastal flooding3 of 9 counties

  Very High in Greater Bridgeport Planning Region.

  Storm surge and tidal flooding count as flood, which most home policies exclude. It needs a separate flood policy.

  Flood insurance in every state

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Connecticut

Connecticut requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. It also requires uninsured and underinsured motorist coverage ($25,000 per person, $50,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in ConnecticutHow much liability cover do you need?

Source: cga.ct.gov, limits in force since 2018-01-01. Checked 2026-10-24.