Infographic: Connecticut Renters Insurance

Infographic: Connecticut Renters Insurance

Connecticut Renters Insurance

Embed this Connecticut renters insurance infograph on your website

Purchasing Renters Insurance in Connecticut is often overlooked, mainly because of the lack of education. There are several misconceptions regarding (1) who covers what and (2) the cost. We’re here to clarify and correct these fallacies with the hopes of encouraging Connecticut renters to purchase renters insurance.

Lets start off with the most important, but basic inquiry; what is renters insurance?
Connecticut renters insurance financially protects you and your family in case of peril. Your landlord’s homeowners insurance only provides coverage for the external structures. Furthermore, it covers the value of your personal possessions and compensates additional living expenses if you are unable to live in your home because of a fire or other disaster.

Renters insurance is not only necessary, it’s inexpensive! According to the National Association of Insurance Commissioners, the average renters insurance (often referred as the HO-4 policy) premium in Connecticut is 194 dollars. In return, your personal possessions will be protected against sixteen types of perils, which include fire and lightning, windstorm and hail, explosion, riot, damaged incurred by aircraft and vehicles, smoke, vandalism, theft, volcanic eruption, and more!

However, there are two exceptions; floods and earthquakes. If you reside in a high risk flood or earthquake zone, it’s encouraged to purchase a separate rider.

The biggest mistake people make is putting off the decision to take out Connecticut renters insurance. It’s not uncommon to meet people who have lost everything because they didn’t take out the insurance prior to a major event such as a fire or bad storm. Don’t let that happen to you. Contact the nearest Byrnes Agency office for more information.

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