Is Home Insurance Mandatory In Connecticut? 
No , the State of CT does not make it mandatory to have Homeowners ' Insurance , but if you have a Mortgage , then your lender does . When you are buying a home or otherwise obtaining a mortgage or home equity on a home , your lender , among other things will ask you to provide a copy of a binder or amended Homeowners Declaration Sheet showing them listed as an interested party on your property . They do this to protect their own interest , which makes perfect sense . However , if you have property , mortgage or not , this can be one of the most important investments you will make in your lifetime . Frankly , mandatrory or not , you owe it to yourself to protect your own interest and your family 's home . 