Renters Insurance

Your Space, Your Belongings, Your Protection

If you rent your home or apartment, you might assume your landlord’s insurance will cover any damages or losses. Unfortunately, that’s not the case. While a landlord’s policy protects the building itself, it doesn’t cover your personal belongings, liability, or the costs of finding a temporary place to stay if your rental becomes unlivable.


Renters insurance ensures that your possessions and financial well-being are protected in case of theft, fire, water damage, or other unexpected events. Best of all, it’s one of the most affordable types of insurance, giving you peace of mind for just a few dollars a month.

Renters insurance is designed to protect you in a variety of situations, ensuring you won’t face unexpected expenses out of pocket.

Comprehensive Coverage for Your Rental Home

What Do We Cover?

Personal Property Protection

Covers your belongings, such as furniture, electronics, clothing, and appliances, against covered perils like theft, fire, and vandalism.

Liability Coverage

Helps cover legal fees and damages if someone is injured in your rental or if you accidentally cause damage to someone else’s property.

Additional Living Expenses (Loss of Use)

Pays for temporary housing, meals, and other living expenses if your rental becomes uninhabitable due to a covered event.

A pair of hands holding a shield with a check mark on it.

What are Some Optional Add-Ons for Extra Protection?

  • Valuables Coverage – Provides extra protection for high-value items like jewelry, art, and collectibles.
  • Water Backup Coverage – Protects against damage from sewer or drain backups, which is not always covered in standard policies.
  • Identity Theft Protection – Helps cover expenses if you become a victim of identity fraud.

Frequently Asked Questions

  • How much renters insurance do I need?

    It depends on the value of your belongings. We recommend creating an inventory of your items to estimate how much coverage you need.

  • Is renters insurance required by law?

    No, but many landlords require tenants to have a policy as part of the lease agreement. Even if it’s not required, it’s a smart investment.

  • Does renters insurance cover my roommate’s belongings?

    No, renters insurance only covers the policyholder’s personal belongings. Roommates should get their own policies.

  • What is the average cost of renters insurance?

    Renters insurance is very affordable, often costing less than $20 per month. Prices vary based on coverage limits and additional protections.

Protect Your Rental with the Right Coverage

Get Peace of Mind with Affordable Renters Insurance. Don’t wait until it’s too late—protect your belongings, finances, and peace of mind with renters insurance. Contact us today for a quick and easy quote.


Visit Us in Columbia, CT

Your rental property deserves the best protection—let’s make sure you have it.