A scenic view of the Connecticut River flowing through lush green fields and rolling hills during sunset, with the word 'Connecticut' inscribed at the bottom.

Connecticut Insurance with The Della Agency

Protecting what matters most isn’t one-size-fits-all. At The Della Agency, we make sure your coverage fits your life, whether it’s your car navigating Hartford traffic, your historic home along the shoreline, or the future of your family. You can depend on Della to guide you through every step.

Serving these major areas and more:

  • Hartford
  • New Haven
  • Stamford
  • Bridgeport
  • Fairfield County
  • Mystic / New London

Looking for insurance coverage in Connecticut?

Call Now For a Quote

Connecticut State Insurance Requirements & Recommendations

General liability is a must, and Connecticut employers with one or more employees must carry workers’ comp.

The law requires at least $25K/$50K for bodily injury and $25K for property damage, plus uninsured/underinsured motorist coverage. But minimum coverage barely covers the cost of one ER visit. Most families choose higher limits for real protection.

Your condo association’s master policy usually stops at the walls. This policy covers your unit’s interior and belongings.

Homeowners policies may cap coverage (often around $1,000 to $2,500). Special coverage protects higher-value antiques, especially common in historic New England homes.

Most Connecticut policies don’t cover floods or earthquakes. Flood coverage matters if you’re near the coast or rivers. Ask us what’s common in your county.

Coverage isn’t required, but many Connecticut families choose at least 10 times their annual income to protect their loved ones. Retirement planning often includes 401(k)s, IRAs, and annuities.

The law requires the same minimums as with car insurance – at least $25K/$50K for bodily injury and $25K for property damage, plus uninsured/underinsured motorist coverage. Many riders add collision and medical payments.

Popular in Connecticut’s higher-income suburbs, this adds $1M+ of extra liability over auto and home policies.

With a growing number of pet-friendly cities like Hartford and Stamford, many Connecticut residents see pet insurance as peace of mind.

Landlords usually only insure the building, not your stuff. They typically require renters insurance, which protects your belongings and provides liability.

If your RV is motorized, you are required to have liability limits as you would a car – at least $25K/$50K for bodily injury and $25K for property damage, plus uninsured/underinsured motorist coverage. If it’s towable, then coverage can be added to your auto or home policy.