Renters Insurance

Do I need renters insurance?

Renters insurance is not required by law in Connecticut. However, your landlord may require you to purchase renters insurance if you rent a house, condo, or apartment. Even if it’s not required, it’s wise to look into a policy to protect your belongings and your living arrangements.

Fortunately, premiums for renters insurance are often very low, so it’s a sound investment all around.

What does renters insurance cover?

While your landlord may have a policy to protect the structure of your rental, your own possessions are not covered by that. Renters insurance covers your belongings from theft, damage, or loss.

In addition, it can also provide compensation in the event that your rented home becomes inhabitable from storm or fire damage.

And, similar to homeowners or condo insurance, you’ll be protected from liability in the event that someone is injured in your rented home or apartment and files a lawsuit against you.

How do I file a claim under renters insurance?

The independent insurance agents at State Wide can help you easily file a claim in the event of loss, damage, or theft of your belongings.

It helps if you have an inventory of your most valuable possessions and their worth. Photos and receipts also make the process faster and easier. For anything particularly expensive, you might want to keep documentation of its appraised value in a safe place.

The independent insurance agents at State Wide can help you prepare all of this so you’ll be fully covered and compensated under your renters insurance. We’ll make the claim process easy in the event of loss, damage, or theft of your belongings.