05/28/2025
🏡 Property Insurance Costs Are Rising in CT – Here's Why (and What You Can Do About It)
Have you noticed your insurance bill going up? You’re not alone — property insurance premiums are rising sharply across the country and especially here in Connecticut.
At Dumont Insurance Group, we’re seeing increases of 10–30% across many carriers for homeowners, landlord, and condo insurance. These are driven by real trends, and we want our Bristol community to understand what’s behind it:
📈 What’s Causing the Increases?
🔹 Severe Weather & Natural Disasters
From more frequent New England storms to wildfires and hurricanes nationwide, weather-related damage is rising — and insurers are paying out more in claims.
🔹 Inflation & Rebuilding Costs
Building materials, labor, and repairs are more expensive than ever. That means when homes are damaged, they cost more to fix — and premiums reflect that.
🔹 Reinsurance Costs
Insurers buy insurance too (it’s called reinsurance). As global disasters increase, those prices have surged — and the cost is passed down to policyholders.
🔹 Higher Claim Volume
Even day-to-day claims (water damage, aging roofs, etc.) are happening more frequently. Connecticut has had four straight years of rising claim activity.
💡 What Can You Do?
✅ Raise Your Deductible — Higher deductibles often mean lower premiums.
✅ Bundle Home + Auto — Multi-policy discounts can make a real difference.
✅ Ask About Discounts — Smoke alarms, smart-home features, good payment history, and more may all help lower your rate.
🏘️ We’re Your Local Insurance Advocate
We know it’s frustrating. But you don’t have to navigate it alone. At Dumont Insurance Group, we’re proud to serve Bristol and the surrounding communities — and as an independent agency, we’ll shop multiple carriers to help you find the best value for the protection you need.
📞 Call us at (860) 582-8161
🌐 Visit: www.dumontagency.com
🔗 Get a quote anytime: https://insuranceform.app/l/master-agency-form/Li_Er0MXTwU29k
Stay informed, stay protected, and thank you for letting us serve you!
💙 Dumont Insurance Group – DEPEND ON DUMONT