Renters Insurance

 Covering much more than your stuff.

When purchasing Renters Insurance you are covering your belongings and helping to protect yourself from unexpected but insurable losses. A Renters Insurance policy not only covers the loss of your insurable personal property it also covers the liability if someone is injured at your apartment/rental unit.

It can also extend to certain lawsuits against you, and if bundled with an auto policy may even protect the property that you have in your car. Those without an active renter’s insurance policy have no protection/coverage for these situations.

For example, if you are the victim of a robbery where the thief steals your TV, and your valuables. The property owner will not cover any of these losses. You are 100% responsible for the replacement of these things. This can easily cost hundreds if not thousands of dollars not including any damages to the rental unit itself.

In some areas, the replacement cost of property in rental units exceeds $15,000 worth of belongings. In other areas, Property Owners/Landlords are requiring tenants to carry insurance, which also lists them as additionally insured.

In Connecticut, the average premium for a renter’s policy is approximately $2101 per year depending on coverage options.

You should consider renters insurance if you are renting a condominium, dorm room, house, or any other residential dwelling.
The Insurance Information Institute has this guide for renters seeking information on renter’s insurance.

Temporary Living Expenses

If your rental unit becomes uninhabitable due to damage and you suffer an insurable loss where you must stay somewhere else while repairs are made, your rental policy may pay your hotel/living expenses.
This coverage is referred to as Loss of Use

Personal Possessions

Your clothes, shoes, electronics, furniture, tools, appliances, and even flatware/tableware you purchased are covered (even if they are not in your place).
A rental insurance policy will insure you against fire, theft/vandalism, tornadoes, some water damage, and more depending on the coverage you need.
Keep in mind; you will likely have to add extra coverage for jewelry or other expensive items via a schedule, endorsement, or inland marine floater.

Medical Payments

You can set medical payment limits separately up to a specific dollar amount for personal injuries that occur to others at your rental unit.

Personal Liability

In addition if you are sued over the injuries to others or damage/destruction of property, you can also receive protection up to certain limits utilizing your personal liability coverage.

Water Back-up

If your rental unit has a sump pump or the plumbing/sewer system is backed up this coverage may protect you.
In cases where there is a backup of water, your rental unit may be flooded or water damage may occur.
This optional coverage may cover the cleanup and replacement of your belongings.
This is not considered flood coverage and a separate policy/endorsement may be needed if there is flood risk or the property is located within a designated flood area.

Personal Injury

Let us face it. We live in a litigious society today.
With personal injury coverage, your policy may cover your legal fees and additional damages subject to policy limits.
This includes Wrongful Eviction, False Arrest, detention, or imprisonment, malicious prosecution, wrongful entry, Slander/Libel lawsuits.
These cases are rare but when they occur, a renter’s policy will provide some protection.


The examples indicated above are illustrations of coverage options, which may be available under a rental policy.
If you have policy-specific questions you can contact us at any time to request a quote or get a better understanding of what a coverage option is for.

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1. Reference: NAIC Average premium by the amount of insurance (Page 146)  2015 data CT HO-4