Connecticut's marketplace opened early this year and closes January 15, 2027. Here are the dates, the financial help available, and what to check before you pick a plan.
Connecticut requires $25,000 and $50,000 of bodily injury liability plus $25,000 of property damage, or a $50,000 single limit. Uninsured and underinsured motorist coverage of at least 25/50 is required. Collision and comprehensive are not.
If the Connecticut FAIR Plan does not offer or deny coverage within 20 calendar days after the inspection request, and you paid the estimated premium in time, section 38a-328-10 makes coverage effective on the 21st day. Vacancy, taxes, and utilities can still block it.
The Connecticut FAIR Plan caps a one-to-four-family dwelling at $350,000 and household contents at $75,000. Sole occupancy does not double that habitational contents cap. The June 2025 manual doubles only commercial contents.
Public Act 25-33 requires a plain-language flood-exclusion notice on Connecticut homeowners, renters, dwelling fire, and condo policies effective on or after July 1, 2026. Insurers file the notice by January 31, 2026. The bulletin does not set NFIP dollar caps.
A Connecticut insurance complaint is filed in writing. After the Insurance Department assigns the case, the company has two weeks to respond and may ask for an extension. The Department cannot order a payment the contract does not cover.