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The minimum renter’s insurance policy coverage is $20,000 for personal effects which includes clothing, furnishings, and other personal items. Higher coverage is also available and for renters with more than $1000 in jewelry, a scheduling with a jewelry rider is highly recommended.

apartment complexWhy get renter’s insurance if you are only renting the house where you live?

Even though there may be a homeowner’s insurance policy in place on the land where you rent, this policy does not cover your personal belongings. Whether it is commercial property insurance, or homeowner’s property insurance in place, it will not protect your belongings against any eventualities. A renter’s insurance policy, which is also known as a tenant’s policy, offers protection for personal belongings such as clothes, electronics, furniture, and other personal items. The protection offers coverage in the event of wind damage from hurricane gusts, fire, or theft.

Renters insurance offers vital protections as well as liability protection in the event that harm is caused to someone, or property damages is sustained in your apartment. These events can be just as financially challenging as a fire inside your apartment unit. Having adequate liability protection in place against accidental occurrences comes with all renters insurance policies. An incident such as a visitor slipping and breaking an arm in your kitchen would be covered under your policy.

Affordable Renters Insurance Options

Renters insurance is available at very affordable premiums. It is very inexpensive to protect your belongings and items while having the valuable protection of liability coverage in place. In comparison to the amount of loss caused by theft or property damage, renters insurance is a wise choice.

What does Renters Insurance Cover?

Renters insurance covers many different eventualities which are described as “named peril” coverage. This means that everything the insurance covers is stated in the policy.

Some of the Named Perils Include:

  • Fire or Lighting
  • Windstorm
  • Smoke
  • Vandalism or Malicious Mischief
  • Theft
  • Accidental Discharge of Water

Harrigan Insurance proudly offers renters insurance in Milford, New Haven, CT, and the surrounding areas. Fill out the form below so you can see just how reasonable your coverage can be.

Get an Online Renter’s Insurance Quote

Phone: 203-877-1570, Toll-Free: 877-977-1570


Harrigan Insurance & Financial Services Inc.
1201 Boston Post Road
Milford, CT 06460
(Post Mall, Lower Level)
Toll-Free: 877-977-1570
Monday-Thursday 9:30 a.m.-8 p.m.
Friday 9:30 a.m.-6 p.m.
Saturday 9:30 a.m.-4:30 p.m.

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