Renters Insurance Quote Forms
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Renters Insurance Information
Did you know that your Landlord doesn't have to replace any of your belongings if the building floods or starts on fire? YIKES!!
I know you think, I don't have a lot of stuff so why does it matter? But I am guessing you own a Computer, TV, clothes, a bed, some furniture that is all at least worth $15,000 that you would be completely out of if anything happened to your place!
Solution? Buy Renters Insurance. You can get it for about $15 per month and it will give you a huge discount on your Auto (it usually pays for itself).
Seriously, it's a NO-BRAINER.
With renters insurance, you will be able to replace what is damaged or stolen.
Renters insurance covers your possessions against losses from fire or smoke, lightning, vandalism, theft, explosion, windstorm, and water damage from plumbing.
However, renters insurance does not cover floods, earthquakes or routine wear and tear. You can, however, buy separate policies for flood and earthquake damage.
If you are forced out of your home because of a disaster your additional living expenses will be covered.
Renters insurance pays the reasonable additional costs of temporarily living away from your home if you can't live in it due to a fire, severe storm or other insured disaster. It covers hotel bills, temporary rentals, restaurant meals and other living expenses incurred while your home is being rebuilt. Coverage for additional living expenses differs from company to company.
Renters insurance also covers your responsibility to other people injured at your home or elsewhere by you, a family member or your pet and pays legal defense costs if you are taken to court.
Decide How Much Insurance You Need.
Add up the cost of everything you would want to replace if it were damaged or stolen. This could also serve as the basis for an inventory that will make filing a claim easier. For an inventory, also record model numbers, dates and places of purchase. Take photographs or make a video of these items and place a copy of the inventory in safe place away form your home.
If you rent an apartment or house you need insurance to protect your belongings. While your landlord might have insurance, it only protects the building. Your belongings are not covered under those policies.
Check out this video on Renters insurance: Adulting is hard, insurancing is easy :)
Thank you for your interest in Svendsen Insurance Agency. We work with multiple A+ carriers to bring you the best coverage, knowledgeable staff and quality customer service. Please feel free to call our office at 203-397-3993 or email your questions and an insurance agent will reply promptly.
Svendsen Insurance Agency Insures:
Woodbridge, New Haven, West Haven, Middlesex, Hartford, Litchfield, Fairfield, Branford, North Branford, Wallingford, Meriden, Waterbury
and surrounding areas throughout Connecticut.