Expert insurance guides for Connecticut residents — life, health, Medicare, annuities, and more.
Long-term care insurance covers nursing homes, assisted living, memory care, and home health aides — the types of custodial care that Medicare refuses to pay for. In Connecticut, nursing home care averages more than $200 per day. This guide explains what LTC insurance costs, how Connecticut
Connecticut requires 25/50/25 liability coverage plus mandatory uninsured motorist protection. Average full coverage costs $2,400 to $3,100 per year depending on city, with rates varying widely across carriers. This 2026 guide explains every coverage type, rate factor, and strategy to reduce your CT car insurance bill.
Marriage is the single most important insurance trigger event in a person
Medicare Supplement (Medigap) plans fill the gaps left by Original Medicare — the deductibles, copays, and coinsurance that can expose you to tens of thousands of dollars in out-of-pocket costs. Connecticut uses community-rated pricing, meaning everyone on the same plan pays the same base premium regardless of age. This guide covers every plan letter available in CT in 2026, how premiums compare across carriers, when to buy, and how to choose between Plan G, Plan N, and Plan G-HD.
Disability insurance replaces a portion of your income if illness or injury prevents you from working. Connecticut has no state-mandated disability program, making private coverage essential. This guide covers short-term vs. long-term disability, own-occupation vs. any-occupation definitions, how to choose an elimination period, 2026 CT premium benchmarks, and how to fill the gaps in your employer group plan.
Connecticut requires workers
Connecticut traditional funerals average $12,000–$18,000 in 2026. Burial insurance is a specific type of final expense whole life policy designed solely for funeral and interment costs. This guide compares burial insurance, pre-need funeral contracts, cremation options, and guaranteed acceptance policies for CT seniors aged 70–85.
Connecticut strictly limits short-term health insurance plans to three months, non-renewable — more restrictive than federal rules that permit plans up to four months. If you are between jobs, retiring early, or waiting for employer benefits to begin, you have several gap coverage options: COBRA continuation, ACA marketplace special enrollment, Medicaid through Connecticut
Standard auto and homeowners policies in Connecticut typically cap liability coverage at $300,000 to $500,000 — an amount that can be wiped out by a single serious accident. A personal umbrella policy adds $1 million to $5 million of excess protection for as little as $150 to $350 per year, covering bodily injury, property damage, and personal injury claims that your underlying policies cannot fully absorb.
Connecticut renters insurance costs just $12 to $25 per month yet protects thousands of dollars in personal belongings and provides critical liability coverage. Your landlord