Insurance in New Haven, CT
Insurance in New Haven, CT
Most New Haven households rent, and most homes are in multi-family buildings. We set up renters, landlord, auto and flood coverage for the city, from East Rock to Morris Cove.
A renter’s city, with a lot of Yale neighbors
DataHaven’s 2025 equity report counts 53,424 households in New Haven, and only 28% own their home. About 74% of the city’s housing units are in multifamily buildings. In the Dwight Street historic district next to Yale, the New Haven Preservation Trust describes 19th-century two- and three-family houses whose apartments were often leased to people connected to the university.
If you rent, your landlord’s policy covers the building, not your laptop, bike or furniture, and not your liability if a fire starts in your unit. A renters policy covers those, and it usually costs less than people expect. Roommates who aren’t related generally each need their own policy. Students who are still on a parent’s policy may have some coverage already, so check before you buy.
New Haven questions we hear
I’m a Yale graduate student. Do I need renters insurance?
If your apartment is off campus, it’s a good idea, and some landlords require it. A parent’s homeowners policy sometimes covers a student’s belongings away at school, but usually with a lower limit. We can check that for you.
I own a three-family in Fair Haven and live on the first floor. Homeowners or landlord?
It depends on the carrier. Some will write an owner-occupied three-family on a homeowners form, and others require a landlord or dwelling policy. Tell us the building’s age, roof, heating and wiring, and we’ll find carriers that will write it.
Does living near Tweed airport affect my home insurance?
Not by itself. Damage from aircraft is a covered cause of loss on standard homeowners policies. Near Morris Cove, flood is the bigger question. Tweed straddles the New Haven–East Haven line, and its planned new terminal is on the East Haven side.
Why did my auto rate go up when I moved here from the suburbs?
Connecticut insurers rate cars by the town where they’re garaged, and city territories generally cost more. We compare several carriers to find the best price for a New Haven address.
Long Wharf, the Quinnipiac and the East Shore
Tropical Storm Irene left one to two feet of water across Long Wharf Drive and nearby properties, including the IKEA lot, according to the National Weather Service. Sandy’s storm tide in 2012 went higher, pushing water past I-95 along the West River and the Quinnipiac. Middletown Avenue near the Quinnipiac floods often enough that the Weather Service calls it a frequent flooding spot.
In Morris Cove, Annex and Fair Haven, a house on the water’s edge needs a separate flood policy. Owners of older multi-family buildings should also ask about sewer backup coverage, which is an add-on on most policies.
From the Green to our office
Leaving the New Haven Green, you take Route 34 west and then the Wilbur Cross and Merritt Parkways, about 12.4 miles in all. Allow about 21 minutes in light traffic, and longer at rush hour.
Route estimate: OpenStreetMap / OSRM
What we write in New Haven
- Renters · Renters for students, staff and families
- Landlord · Landlord for two- and three-family houses
- Auto · Auto, comparing carriers for city territories
- Flood · Flood for Morris Cove, Long Wharf and the riverfront
Homeowners · Auto · Renters · Condo · Landlord · Flood · Boat · Motorcycle · Umbrella · Business
Talk to an agent about your New Haven policy
ASK Insurance
88 Ryders Lane, Suite 210
Stratford, CT 06614
860-613-5929
ask@askinsurancect.com
South Hadley, MA: by appointment.
Nearby town pages