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Connecticut Renewal Increase Rule: Your Right to an Explanation

Starting January 1, 2027, your renewal with a premium increase must say the insurer will explain it on request.

Published November 12, 2026. 2 min read. By Vow Insurance Partners.

This article is general information about how insurance usually works in Connecticut. Your policy’s own wording decides what it covers. Ask us about yours.

What This Means for YouYour bill shows your new price, not the reason for it. You can ask what changed: your coverage, your rating or your home.In ConnecticutFrom January 1, 2027, a renewal bill for a personal policy with a premium increase must say the insurer will explain the increase within 20 business days of a request.

Short Answer

The rule applies to personal policies such as homeowners, tenant and private passenger auto, and it does not apply to commercial renewals. You may request the explanation by mail, phone or email. At every renewal, review limits, deductibles and exclusions, not only the bill.

Which Policies Are Covered

“Personal risk insurance” covers homeowners, tenants, private passenger auto, mobile home and other personal or household property and casualty insurance. The rule applies to personal policies, and it does not apply to commercial renewals.

How to Request an Explanation

You may send the request by mail, phone or email. Ask what changed and why. The explanation is due within 20 business days of the request.

Review What Changed, Not Only the Price

Review your coverage at every renewal. A thorough review compares limits, deductibles and exclusions, as well as the bill.

Requesting a Second Look

You can ask an independent agency for a second look at your coverage, and we represent you, not a single insurance company. A quote for auto and home can start online.

Frequently Asked Questions

Must my insurer explain a premium increase?

Starting January 1, 2027, the renewal bill must state that the insurer will explain the increase within 20 business days of your request.

How do I request the explanation?

You may request it by mail, phone or email, and insurers must accept all three.

Does the rule cover my commercial policy?

No. It covers personal risk insurance such as homeowners, tenants and private passenger auto.

Does it limit how much my premium can rise?

The rule requires an explanation on request. For any question beyond that, you may contact the Insurance Department.

Sources

  1. Connecticut Insurance Department Bulletin PC-94-26 (September 17, 2026, revised September 22, 2026)
  2. Connecticut Insurance Department, Auto Insurance Information Center
Where This AppliesHomeowners InsuranceWhere This AppliesNonrenewed or Cancelled Policies

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If your renewal went up, ask the insurer why, and send us the notice if you want a second look.

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Call(203) 604-0722Text(203) 819-7059