What Does Connecticut Renters Insurance Cover?

Renting is a smart choice for many Connecticut residents, but many individuals choose to forego renters insurance. Knowing what’s covered and what isn’t covered in a Connecticut renters insurance policy is crucial for understanding how to protect your possessions and your finances.

Your Coverage Options

Whether you’re renting a townhome, apartment building or college dorm, it is essential to protect your space, your belongings and yourself with a renters insurance policy that gives you the coverage you need for your budget and lifestyle.

There are three key options to consider for a Connecticut renters insurance policy:

  • Liability – protects you against monetary losses in a scenario where someone is injured while inside or outside your home
  • Personal property – shields you from replacement costs for items damaged due to vandalism, fire, lightning, water and other disasters defined in the policy
  • Living expenses reimbursement – indemnifies you for living expenses up to specified limits in the event that the rental property becomes uninhabitable

Your Landlord’s Role

Your landlord’s property insurance policy often doesn’t cover everything you require for your peace of mind. No law in Connecticut requires a tenant to own a renters insurance policy; nonetheless, some landlords may ask for proof of renters insurance as part of the lease agreement.

As a renter in Connecticut, owning a renters insurance policy can go a long way in protecting your personal property against damage and theft, as well as safeguarding your financial future.