Renters and Condo Insurance in Connecticut
Whether you are renting space or you own a condo, you still have valuables and assets to protect. But both policies come with coverage selections and options, so ask as expert what coverages are right for you.
While renters insurance is not a required policy, your renters policy will cover you for liability you or your family may be responsible for as well as your personal property up to the limits you select. Think about all the personal items you own from furniture and electronics to clothing and kitchen essentials. Renters insurance will cover these items up to your policy limits in the event of theft or damage.
Renters insurance also includes coverage for loss of use if you cannot occupy your apartment for a period of time. Optional coverages include medical payments, personal property replacement cost and more!
In some cases your leasing office may require that you carry renters insurance, but even if it is not required, for a relatively small premium renters insurance includes a lot of coverage. Ask us to bundle a renters insurance quote with your auto insurance to save even more!
Condo insurance provides coverage for your personal property, liability and much more. Where we often see confusion with condo insurance is where the Condo Association policy stops and the condo insurance policy begins. At Street Smart, when quoting a condo insurance policy we always urge our customers to have their HOA agreement with them so we can reference what is and isn’t covered under the agreement. We know what questions to ask to identify where there could be gaps from the master policy and ensure our clients are properly covered.
A condo policy can cover building property and/or improvements if required by the HOA agreement, but it can also cover loss assessment charges from the condo association as well as loss of use in the event the condo is uninhabitable.
In addition, your condo policy can include medical payments coverage and if you aren’t sure whether your liability limits on your condo policy are enough, an umbrella is always a good addition.
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Located in Hamden, we provide insurance coverage to individuals, families and businesses in New Haven, Cheshire, Milford, Wallingford, North Haven and throughout the Connecticut shoreline.