Is Renters’ Insurance a Necessity?

Do you rent your residence? Then renters insurance Connecticut is a vital investment. Despite the common misconception that a property owner’s insurance policy covers all items within a residence, renters actually need to purchase their own policy to cover their belongings. So what does a renter’s insurance policy usually cover?

Replacing Your Belongings

You can potentially lose all your belongings if a disaster, such as a fire, occurs at your rental property. Do you have the means to replace all your furniture, clothing, and electronics without aid? Renters’ insurance can help cover the cost of replacing damaged or destroyed belongings.

Accidents and Injuries

Just like with homeowners, renters can be held responsible for accidents that occur in their rental properties. Consider the following situation for a moment – a neighbor stops by to drop off a package a deliveryman accidentally placed on their porch. During the visit, the neighbor slips on a pool of water in the kitchen, and breaks an arm. Having renters’ insurance with liability coverage in place could protect you from the potential cost of such an event.

If you rent your home or apartment, renters insurance Connecticut can provide vital financial protection in the event a disaster, such as fire or theft, or an accident, occurs.

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