Regardless of the size of your CT apartment, or the length of time you will be staying there, you should have a renters insurance policy. Your landlord’s coverage will only cover damage to the basic structure of your building. It will not cover personal liability or personal belongings. In order to adequately protect you and your belongings, you should obtain renters coverage with protection for three types of perils: liability damages, damage to your possessions, and damage to your apartment or rental home. Should you be at-fault for something that happens in the house, condo or apartment that you rent, your policy will help you cover the cost of repairs and replacements.
Specific examples of damage may include:
- Water leakage
- Fire and smoke
- Pipe freezing
- And more…
An agent can help write a comprehensive renters insurance policy for your living space to ease your mind in the case of an accident. You can rest easy knowing your belongings, furniture and appliances are fully protected.
While a renters insurance policy is not required, you have a written agreement with your landlord to protect the space you are living in. If you are deemed at-fault, you will be fully responsible for any damages to the living area, as well as being responsible for replacing all of your personal belongings. Connecticut renters should not be renting a space without coverage to protect themselves from at-fault incidents. Encharter Insurance agents typically recommend the following limits for a policy:
- Medical payments
- Replacement cost
Many renters also consider an umbrella insurance policy to further protect them from liability. Some items may require additional insurance, such as a valuable jewelry collection or rare antiques. To adequately protect these items, you may consider various supplemental policies such as:
- Umbrella Insurance
- Jewelry Floater
- Collections Coverage
- Identity Fraud
Whether you’re preparing to move to Connecticut or you’ve been here for years, it’s always fun to learn something new. Were you aware of these fun facts?
- The name of the state comes from the word Quinnehtukqut, which translates to “beside the long tidal river”.
- While it was first explored in 1614, it was not colonized until 1635.
- You may not use a white cane unless you are blind.
- You may not educate dogs in the state.
Whether you’re looking to stay in your apartment for a few months or a few years, talk to one of our agents about getting the coverage you need to protect you and your possessions. Be prepared with the following information in order to get the most accurate quote from your agent:
- Details of any losses within the last 6 years
- Year the apartment was built
- Source of heat
- The total value of all your personal belongings
We can shop multiple carriers to make sure that we’re getting you the most affordable price with the best comprehensive coverage. Be sure to ask about the carrier and agency discounts that may be available to you. You’ll be pleasantly surprised at how much you get for the small cost each month. You can even get an additional discount for combining your renters policy with your CT auto insurance policy!
Call Encharter Insurance today at 888.754.8299 to get a quote for your renters insurance in Connecticut, or use our contact form above!