Connecticut regulators say more than 30,000 Liberty Mutual homeowners policies are getting a rate decrease, averaging about 5%. The Connecticut Insurance Department announced the filing on October 16 as part of a broader list of auto and home insurers whose rates are going down for some customers.
Commissioner Josh Hershman called the filings a positive development. Whether a particular household sees a lower bill depends on the insurer, the policy and the rating factors that apply to it.
What the department announced
According to a reprint of the Connecticut Insurance Department release, the agency reviewed 19 homeowners filings from 16 companies that included rate decreases for some consumers. It also reviewed 19 personal auto filings from 14 companies.
On the homeowners side, Liberty Mutual and its affiliated companies lead the list at about 5% for more than 30,000 policies. Nationwide, Merrimack and Utica are also named as having homeowners decreases, though the release gives no percentage or policy count for them.
The department did not publish effective dates in the release, so the timing of any lower bill depends on when each policy renews and when the insurer applies the new rate.
Who sees a cut, and how auto drivers fared
The release says rate changes vary by insurer, coverage and other rating factors, and that not everyone will see lower premiums. A Connecticut homeowner with Liberty Mutual or one of its affiliates is the group most likely to be affected by the 5% figure. Homeowners with other carriers should check whether their own company appears on the list.
Anyone who wants to know if the cut applies to a specific policy can start with the renewal notice or the declarations page, then ask the insurer or agent directly. The department says consumers should ask about premium changes, review their coverage, ask about discounts and compare other insurers’ options.
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The auto side of the announcement shows bigger numbers. State Farm’s two affiliated companies are cutting personal auto rates by about 8.4% on average, and Farmers Casualty Insurance Company is cutting by about 14% on average.
Liberty Mutual Personal Insurance Company is lowering personal auto rates by about 6% for roughly 11,500 policyholders. Travelers, Hanover and Utica are also named as having auto decreases for some drivers, without figures.
The decreases arrive after a year of increases for homeowners. The department’s rate review report shows insurers asked for an average homeowners increase of 9.1% in 2025, and the department allowed 8.7%. It says continued efforts to hold down homeowners increases saved policyholders $10.34 million that year. The same report shows how mixed individual filings can be. Liberty Mutual Personal Insurance Company recorded a 3.00% homeowners decrease on an April 27 filing, Liberty Mutual Fire Insurance Company recorded a 6.50% increase on June 1, and Liberty Mutual Insurance Company recorded a 10.00% decrease on October 14.
Those entries show that a single insurance group can file cuts and increases in the same year, depending on the company and the policy form. A homeowner cannot tell from the group name alone which direction a particular premium is heading.
That means a 5% reduction on one carrier’s book of business does not erase the earlier rises. It is a break in the direction of premiums, not a return to earlier prices. Homeowners who saw their premium jump by hundreds of dollars may find the cut covers only a part of it.
Commissioner Josh Hershman said that Connecticut families continue to face challenges with insurance affordability. He added that the department will continue working to ensure rates are actuarially justified and reflect the risks being insured.
Where to take a question about a premium
The department’s homeowners insurance page lists its Consumer Affairs Division at (860) 297-3900, toll-free at (800) 203-3447, or insurance@ct.gov. It also links to guides on water damage, tree damage and winter weather, and to a shopping tool hosted by the National Association of Insurance Commissioners.
The department’s fiscal year 2026 results show how much that office handles. Its Consumer Affairs Division dealt with 7,301 complaints and inquiries and answered more than 12,150 phone calls, and the department helped consumers recover more than $6.4 million.
The state also runs a Consumer Information Center with a homeowner’s insurance section and a tool to look up flood maps and flood risk, which is useful for anyone weighing coverage as well as price.
The rest of the cost of keeping a house
For many older Connecticut homeowners, insurance is only one piece of the yearly cost of the house, alongside property taxes, utilities and repairs. A cut of roughly 5% on a premium is a modest saving next to the other yearly bills that come with owning a home.
The insurance reduction is also a good moment to check the other costs, since a household that is already reading its bills closely can see where relief programs might apply.
Is the Connecticut premium cut the only saving on the house?
A 5% insurance cut does little if property-tax relief, a credit or a renewal date goes unnoticed, since many of those programs ask for a fresh application each year. Missing a renewal can cost more than the insurance reduction saves.
The story’s money question is the premium, but the related job is the rest of the yearly bill for the house. The Senior Property Tax & Home-Cost Relief Kit explains the 5 kinds of property-tax relief and the circuit-breaker credit that includes renters, with an application log and renewal calendar for tracking each deadline.
Get the property-tax relief guide and renewal calendar for Connecticut homeowners →
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This article was produced with AI assistance and edited for accuracy against the sources linked above.
