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10 Best Renters Insurance Companies in Connecticut of 2021

Augustine Reyes Chan

Augustine Reyes Chan

Find out which renters insurance companies provide the best coverage at affordable rates in CT. You'll also find tips and money-saving advice for finding the right policy for your needs from our savvy experts.
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If you live in a rental apartment, buying renters insurance is a necessity.

You need to protect all your valuables inside your unit, and if there is theft of your possessions or a fire that damages them, you would have to pay for the costs to replace your items on your own.

But if you had renters insurance, it will cover your losses.

Plus, if a guest is injured on your property and needs medical attention as well as related costs to rehabilitate the person, he or she may file an expensive lawsuit against you.

Where would you get the money?

Renters insurance in CT covers liability, so the company will pay for your legal defense and all related medical bills.

Still not convinced?

Well, renters insurance gives you peace of mind. You no longer need to worry if your laptop will get stolen, for example, if you leave it in the car. Yep, renters insurance doesn’t just cover your apartment!

In addition, renters insurance costs very little.

According to the Connecticut Insurance Department, a standard policy costs around $15 a month. That’s not much.

Even better, insurance companies offer some discounts that will lower your premium.

For example, if you bundle your renters insurance with your auto policy, you’ll get a discount.

But how do you find renters insurance that meets your needs? What if you have expensive jewelry? Will your policy cover that if it gets stolen?

Do you need to talk to a live agent to get a quote? Or is doing it online more efficient?

And what about customer service? Are they readily available and a pleasure to speak to? Our research of renters insurance policies turned up numerous customer service complaints from policyholders.

We did the work for you. Focusing on affordability, coverage options, customer service satisfaction, and the discounts that a renters insurance policy has, we were able to narrow our list down to the 10 best renters insurance providers in Connecticut based on categories.

The Best Renters Insurance Companies in Connecticut:

  • Lemonade:Best for Paying Your Claim in As Little as Three Minutes

  • Liberty Mutual: Best for Cheapest Policies

  • State Farm: Best for Customer Service

  • Travelers Insurance: Best for Coverage Options

  • MetLife: Best Overall

  • Nationwide: Best for Online Presence

  • The Hartford: Best for Riders

  • AAA: Best for Young People

  • Homesite: Best for Easily Getting a Quote and a Buying a Policy

  • Farmers: Best for Claims Satisfaction

Lemonade: Best for Paying Your Claim in As Little as Three Minutes

Lemonade Renters Insurance CT

Lemonade is the first online insurance company.

It is based online and on its app.

We chose Lemonade for its fast claims processing and payments.

Filing a claim is easy. Just use Lemonade’s app where you have to answer a few questions, send in a video that explains how the loss or damage occurred, and in most situations, your claim may be paid in as little as three minutes.

Lemonade Renters Insurance Pros & Cons
ProsCons
Ability to sign up for coverage within minutesCovers CT but is only available in 27 states and Washington, D.C.
Cheap renters insurance coverageMay not be a good fit for those who prefer working with an agent
Best for those looking for instant coverageCoverage amounts vary by state; CT rates, for example, are lower than New York rates
Best for those who appreciate having their insurance premiums donated to nonprofit charitiesDoesn’t cover utility outages like loss of power, heat, or water
Doesn’t cover damage caused by pests, like bedbugs
Doesn’t cover damage caused by earthquakes or sinkholes (though damage from wildfires and tornadoes is usually included.)

Liberty Mutual: Best for Cheapest Policies

Liberty Mutual Renters Insurance CT

Liberty Mutual is known as the cheapest renters insurance in Connecticut.

According to the company, policy premiums start at $5 per month, but that’s only for standard coverage.

We did our research and figured out that the standard coverage really starts at $11 per month. That’s still cheap.

But if you add any riders or add-ons, your premium will go up.

The good thing is, you won’t be paying an arm and a leg. Liberty Mutual has many discounts that can lower your premium rate, including the following:

Bundling

If you bundle renters insurance with auto insurance, you’ll get a discount.

Claims-Free

If you haven’t filed a claim with your previous insurance for at least five years.

Security Protection

If you have smoke detectors, multiple locks on your door including a deadlock, and smart home security features like cameras strategically placed outside so you know who is at your door, to name a few.

Preferred Payment

If you opt for automatic payments linked to a bank account.

If you purchase your insurance online,

Paperless Policy Discount

If you cut off the mail trail to receive policy documents electronically.

How Well-Received is Liberty Mutual?

BBB (Better Business Bureau) gave Liberty Mutual an A rating.

Liberty Mutual Renters Insurance Pros & Cons
ProsCons
Available in all 50 states and Washington, D.C.Can only purchase up to $25,000 of personal property coverage
Easy online claims filingStandard policy doesn’t come with water damage coverage
Get discounts when you bundle coverageEarthquake coverage not available in all areas (which you don’t need in CT)
Can add on blanket jewelry coverage for all jewelry and high-priced collectibles, for example, with a single combined limitDiscount availability varies from state to state
Great for consumers that want to connect with a local agentDrivers with bad driving records may not qualify for any discounts
Customer service is available on the weekendsDifficult to find the covered perils and customer service numbers on the website
People looking for multiple lines of insurance coverage

State Farm: Best for Customer Service

State Farm Renters Insurance CT

State Farm has the best overall customer service for renters in Connecticut.

According to the National Association of Insurance Commissioners (NAIC) it has a very low Complaint Index of just 0.38.

This means the insurer has only 38% as many complaints as a typical company when adjusted for size, and customers are very likely to be satisfied with its service.

That’s also the case for State Farm’s intuitive website.

And when contacting State Farm, renters or prospective renters don’t have to jump through hoops to talk to a real-life customer service rep.

State Farm's response time is fast.

However, renters who need extra coverage to protect valuable items like artwork and rare books should look elsewhere. State Farm lacks the full range of extra coverages that many renters want or need.

Rates

State Farm is affordable. The average price for renters insurance from State Farm is $15 per month.

That's 21% cheaper than the statewide average.

How Well-Received is State Farm?

State Farm has an 850 score out of 1,000 in J.D. Power's renters insurance satisfaction survey.

A.M. Best: A++ rating for its financial strength, which is the highest rating that an insurer can receive.

State Farm Renters Insurance Pros & Cons
ProsCons
Great for customers that want to connect with a local agentOffers little discounts or any unique endorsements
Agents offer personalized serviceOffers only two extra coverage options beyond basic coverage: identity theft protection and extended liability
Simple to use website and app

Travelers Insurance: Best for Coverage Options

Travelers has some of the best customizable coverage compared to other insurances in the same league.

It has double the number of deductibles, medical payments, and loss of use options than other companies.

The fact that you can get additional coverage as an add-on allows for more customization.

In addition to its personal property replacement add-on, Travelers has some unique optional coverages.

Two coverages that other insurers don’t have is water backup coverage and equipment breakdown.

Here is the list for additional coverage:

  • Additional coverage package
  • Personal property replacement
  • Decreasing deductible
  • Identity fraud expense
  • Valuable item coverage
  • Extended liability

The downside is that Travelers’ rates are higher than other renters insurance companies on our list.

Also, you have to fork over a year’s worth of coverage as soon as your coverage begins. There is no option for monthly payments.

How Well-Received is Travelers?

NAIC gave Travelers a complaint index of 0.50, which means it received only 50% as many complaints as a typical insurer of its size.

AM Best: A++

Travelers Renters Insurance Pros & Cons
ProsCons
Great coverage optionsHigh rates
Better-than-average serviceYou must pay your bill in annual installments
Useful features on website and appFewer add-ons than you may expect
Numerous discounts (not listed here) are availableIn some states, customers have to call to get a quote
Can’t go below $30,000 of personal property

MetLife: Best Overall

What makes MetLife stand out is their Identity Protection Service that is standard and comes with all policies. If you are the victim of identity fraud, MetLife can help you restore your credit or clear unauthorized financial activity after identity theft.

MetLife is best overall also because of its optional coverage.

You can insure valuable items like jewelry, electronics, luxury items, and more for amounts up to $15,000 and MetLife will pay to repair or replace such items no matter how they were lost or damaged.

Replacement cost for personal items is also available at an additional cost.

Typically, an insurer will reimburse you for the value of your items minus depreciation. (That’s ACV or actual cost value)

But MetLife will pay in full the amount needed to replace a lost or damaged item or personal property.

The reimbursement is for the original price you paid for your lost or damaged property. (That’s replacement cost)

For example, instead of giving you what your old laptop is worth today, MetLife will purchase you a brand new one.

You can get started with a no-obligation online quote. And if you decide to buy a plan, ask about flexible payment options. 

Since MetLife is best overall, that means that its customer service is top-notch. Many reviewers claim that contacting MetLife is easy and that reps are friendly. And customer service support is available 24 hours a day, seven days a week.

How Well-Received is MetLife?

AM Best: A

MetLife Renters Insurance Pros & Cons
ProsCons
Identity Protection Services are included with each policyLoss of use is not included in standard policies
Outstanding customer serviceOnline quotes are only available for basic coverage
Flexible payment plansTo get a complete quote, you need to speak to an agent, which takes time
Wide coverage for high-cost valuablesYou can’t file a claim online and need to contact an agent instead
App available to view policy documents and pay bills on it only

Nationwide: Best for Online Presence

So you can’t sign up for renters insurance online with Nationwide.

But the great thing about Nationwide is after you finalize a quote and buy a policy through the agent, you can do everything online.

You can manage your insurance.

You can change your coverage (which is unique to Nationwide’s online services), file a claim, and make payments.

And with Nationwide, you can always make sure that you have the right coverage.

Nationwide’s “On Your Side Review,” allows you to get a personalized review of your insurance to make sure you have the right coverage and are getting all possible discounts.

That sounds great!

How Well-Received is Nationwide?

J.D. Power: 831/1,000

A.M. Best: A+

BBB rating: A+

Nationwide Renters Insurance Pros & Cons
ProsCons
Multiple discounts are available to reduce premiumsHigh premiums; Least expensive option is $20 a month
Basic policies include stolen credit card coveragePremiums higher than the national average of $15 a month
Easy add-on coverage for collectibles and high-value items24/7 for claims, but limited time to contact sales and service
Claims center open 24/7Average customer service
Coverage for even the smallest things, like loss of refrigerated food

The Hartford: Best for Riders

The Hartford, which is based in Connecticut, offers you more coverage over and beyond a standard policy.

These are riders that can broaden your coverage with a fee. Some of the best that The Hartford has to offer can be found below.

Zero deductible benefit

Up to $5,000 of your deductible will be waived following a covered loss of at least $27,500. That’s a great benefit!

Personal injury coverage

If you're sued for libel or slander, personal injury will protect you.

Replacement cost coverage

Replaces covered personal property that's damaged or destroyed with new items of similar quality. This means The Hartford isn’t just paying you the depreciated cost (actual cost value or ACV)

Earthquake coverage

Personal property damaged or destroyed in an earthquake is covered.

Water backup coverage

If a sump pump overflows or a drain backs up and causes water damage, you're protected.

How Well Received is The Hartford?

A.M. Best Rating: A+

Hartford Renters Insurance Pros & Cons
ProsCons
Covers built-in improvements on rentals that are damaged by a covered event. For example, built-in bookcases or wallpaperThe Hartford may require you to be a member of AARP if you are 50 years or older to purchase renters insurance
Discounts for bundling are availableFlood protection is only available if you take out a flood coverage policy, which will increase your rates
Lower premium for living in a building with a monitored security system or 24-hour security service

AAA: Best for Young People

AAA is known for its low premiums, which is why first-time renters, college students, or recent grads who need to go from dorm to a rental, use the insurance company.

AAA boasts premiums as low as $8 per month, although you need to be an AAA member (which is easy to sign up to receive wildly discounted rates).

The cost is nearly half of the $15 national average for renters insurance,

But keep in mind that the cost for low insurance will vary based on the location of your rental (such as if it’s in a safe neighborhood and your building has security), the number of roommates you have, and whether you have pets. 

If you are already an AAA member your renters insurance will only cost a few dollars per month.

If you bundle because your car is backed by AAA auto insurance, you may get roadside assistance benefits and other rewards when you buy an AAA renters policy.

For young people, there is always that risk that your dorm or rental unit will be burglarized or that your possessions may be damaged from burst pipes, fires, or other disasters.

Your school or landlord will not cover your damages.

And dorms are easy to break into because most only have a passcode at the dorm door.

It’s easy for a thief to follow a student in to pilfer your belongings.

And it’s even easier when your dorm is having a party that leaks from dorm rooms to halls and the doors keep opening for students to join in.

How Well Received is AAA?

A.M. Best: A+

BBB: A+

AAA Renters Insurance Pros & Cons
ProsCons
If the rental is new or recently renovated, the renter will get a discount because the insurance assumes the renter is less likely to file a claimWeather-related catastrophic natural disasters (floods and windstorms, for example) are not covered in a standard policy
Raising the deductible will lower monthly insurance ratesNo policy purchase or quotes online
Starting at $8 per month, AAA is one of the cheapest renters insurance aroundReplaces items based on current market values rather than paying you the full amount of the replacement cost
AAA roadside assistance if you bundle auto and renters insurance“Useless” app according to reviews
Great for those who prefer talking with a dedicated agentInsurance coverage questions or claims done by contacting rep rather than using the app

Homesite: Best for Easily Getting a Quote and a Buying a Policy

Homesite is best known for having customized and tailored policies so you don’t end up paying for coverage you don’t need.

But the company is also known for its innovative technology.

You can go on Homesite’s website to get a quote and buy a policy in only one visit. That saves you a lot of time.

(If you are not online savvy, you can contact Homesite’s friendly contact center)

What also saves you time is that you can also easily file a claim using the online customer portal, and the renters insurance policy will process your claim in the fastest and most efficient way.

To start the process of renters insurance, you only have to fill out a brief form online that takes a few minutes and is used to customize your quote.

It’s even more efficient to use the Homesite website to view your policy, pay your bills, and enroll in automatic payments and paperless billing, to name a few.

How Well Received is Homesite?

A.M. Best: A

BBB: A+

Homesite Renters Insurance Pros & Cons
ProsCons
Competitive ratesThe basic policy leaves out some coverage that is standard in other renters insurances
Easy to navigate websiteOver 100 negative complaints about poor customer service and poor claims resolution
Claims can be filed onlineNegative ratings and numerous negative discussions about the company on Reddit
Policy discounts uniqueClaims take longer to process than advertised
For those who are over 55 on a fixed income pay lessAffordable, but renters insurance quotes can range from $13.50 to $25.40 a month, which is higher than the national average
If home is new, you are eligible for a discount
Coverage widely available in the contiguous 48 states
The company's add-ons boost coverage

Farmers: Best for Claims Satisfaction

Farmers is known for its inexpensive insurance policies and personalized attention to your insurance needs.

But what we liked best about Farmers is that it’s highly rated for claims satisfaction.

Filing a claim with Farmers could not be easier and you don’t have to wait long for reimbursements.

There are five—yes, five!—ways to file a claim.

You can call your local Farmers insurance agent.

You can contact Farmers by calling its claims center.

You can file a claim on the Farmers website.

You can also file a claim via text.

And you can file a claim through the Farmers mobile app.

Keep in mind that while Farmers prides itself on its fast claims process, there may be drawbacks that can lengthen the time for a speedier response.

These include how complex your situation is, if other parties involved in the claim are cooperative, and the extent of the damages or if any injuries were involved.

How Well-Received is Farmers?

A.M. Best: A

Farmers Renters Insurance Pros & Cons
ProsCons
Get a quote or file a claim onlineNot available in all 50 states
Customer service available seven days a weekDiscount availability varies from state to state
Claims service available 24/7Provides only one add-on coverage option
You can get a deductible as low as $100 (other companies go as low as $250)Insurance rates are higher than the national average: $208 a year. The national average is $168 a year
Unique feature: non-smoking households get a discountFarmers’ average rates are higher than those of competitors
Over 90 years of industry experience

How We Decided

We gathered information from multiple trusted sites in renters insurance in Connecticut and the websites of insurance companies and narrowed our search down with the needs of Connecticut residents by prioritizing the following:

Policy Cost

You shouldn’t pay high for renters insurance. We looked at insurers who had rates lower than, or near, the national average and multiple discounts to lower the policy. These accounts ranked higher on the list than others.

Policy coverage

A reputable insurance provider should have a range of policy coverages to cover your needs. Everyone is different in Connecticut, and that includes renters insurance companies.

We looked at the basic or standard coverage option, unique features that other insurers don’t have, and add-ons or riders to make sure you are sufficiently covered for a peril and to make sure you feel safe in your apartment.

Customer Service

Customer service took center stage while looking for insurers.

A company's customer service needed to be reliable, attentive, and available.

The last one ultimately decided what we put on the list.

We looked at an insurer’s customer service to see if it was open 24/7, or seven days a week, or if it was easy to resolve problems with an agent,

with bonus points for those who had websites and mobile apps where you could buy a policy, check up on it, pay a bill, or change your deductible.

In other words, we looked at those that provided convenience.

What is Renters Insurance?

Renters insurance, like home insurance, is dedicated to individuals who rent an apartment or a unit.

Renters insurance reimburses an individual who has renters insurance if there’s damage or loss in personal property as a result of fire, theft, or vandalism.

It also covers liability and bodily damage.

If you rent an apartment, a house, a condo, a townhouse, or a co-op, renters insurance will cover you.

Why Do I Need Renters Insurance When I’m Covered by a Landlord’s Insurance?

While renters insurance is not required by law in Connecticut, some landlords need proof that you have renters insurance before you sign a lease.

But in most cases, landlords don’t necessarily require you to have renters insurance.

It’s your decision to purchase it.

The landlord’s insurance exists to protect the building and only the landlord’s personal belongings.

The inside of the building means all common areas such as elevators. steps, halls, the front desk, and the main entrance or lobby.

Because a landlord can’t cover you, it falls on you to protect your personal belongings with renters insurance.

What Does Connecticut Renters Insurance Cover?

In Connecticut, the standard renters insurance policy resembles those policies in different states. That’s because a standard policy is, well, standard. It is the riders and add-ons that make each renters insurance different and unique.

Liability Coverage

Liability protects you against lawsuits from people who have bodily injuries or property damages that you or your family caused to them.

Liability also covers your legal defense and a standard policy includes up to $100,000 in liability coverage.

For example, if Clifford the Big Red Dog bites your neighbor who is visiting your house and the neighbor needs stitches and medical attention, the policy will pay for any medical bills incurred.

Personal Property Coverage

Personal property coverage pays to repair or replace property that’s stolen or damaged in the event there’s a covered peril.

For example, your laptop, or your expensive shocking electric green go-to-hell pants.

A covered peril in a standard policy is a damaging event due to theft, vandalism, fire, smoke damage, climate changes like lightning and windstorms, explosions, water damage, and other events listed in your policy.

Loss of Use

This policy covers basic living expenses and temporary housing costs if your unit becomes uninhabitable.

For example, if there’s a fire or another covered peril that damages your rental to the point that you can no longer live there safely, loss of use will reimburse you for any hotel stays, meals that you have at restaurants, as well as any basic or necessary living expenses.

Medical Payments

This policy pays for medical care if there is bodily injury to a person that occurs in your rental unit, regardless of fault.

Unfortunately, if any damage exceeds the amount of your coverage, you will be responsible for paying the costs that aren’t covered.

Here’s a full list of covered losses found in most Connecticut renters insurance policies:

  • Fire and lightning
  • Windstorm and hail
  • Theft and vandalism
  • Explosions
  • Riots
  • Damage by vehicle
  • Smoke damage
  • Falling objects
  • Weight of snow, ice, and sleet
  • Water damage not caused by flooding

What Does Renters Insurance Not Cover?

Just as it’s important for you to know what your policy covers, it’s also important to know what your policy doesn’t cover.

If the structure of your complex is damaged, that’s not covered.

That falls on the landlord.

Renters insurance also doesn’t cover damages caused by earthquakes or floods.

If you need a flood policy, you can buy an add-on so you’re covered.

Neighborhoods on the shoreline of Connecticut often increase their coverage of flood because they live near the water.

Residents in Connecticut shoreline towns that typically add flood coverage to their policy include Greenwich, Stamford, Darien, Westport, New Haven, Branford, Guilford, Madison, and Clinton, for example.

A standard policy doesn’t cover flood damage because it’s often catastrophic and claims can be high in cost, making the insurer unable to offer flood insurance.

To get flood coverage you can go to a private company specializing in flood insurance or turn to the National Flood Insurance Program (NFIP).

Renters insurance also doesn’t cover bug, pest, or wildlife infestations.

Is Renters Insurance Affordable?

The average renters insurance premium in Connecticut is around $15 to $19 a month, The actual cost will change once the insurance evaluates the location in which you live for safety concerns and the policyholder’s possessions, to name a few.

The $15 quote is based on a policy for a hypothetical 30-year-old person with $30,000 in personal property coverage, $100,000 in liability coverage, and a $500 deductible.

Using that hypothetical, the average cost of renters insurance by company are as follows.

What is the Average Renters Insurance Cost

CompanyAverage Monthly Price
AAA$8
State Farm$15
MetLife$15
The Hartford$16
Farmers$17
Travelers$19
Lemonade$19
Nationwide$20
Liberty Mutual$22

And the average cost of Connecticut renters insurance for the most popular cities are:

  • New Haven - $23
  • New London- $22
  • Hartford - $20
  • Stamford - $21
  • Norwalk - $18
  • Danbury - $18
  • Middletown - $18

As you can see, New Haven has the most expensive insurance costs. That’s due to the high crime rate and the fact that the neighborhood that surrounds Yale University is unsafe.

How to Get Affordable Renters Insurance

The easiest way to get affordable renters insurance in Connecticut is to get quotes from as many insurers as possible.

Keep in mind that your rates will vary, depending on the value of your belongings and your coverage limits.

However, we don't recommend buying a policy based on price alone. Coverage options and customer service matter, too.

Who Offers the Best Connecticut Renters Insurance Rates?

Out of the most popular renters insurance companies in Connecticut, Liberty Mutual offers the cheapest rates, on average, for Connecticut renters.

Liberty Mutual’s basic policy starts at only $5 a month.

What Factors Increase Your Policy?

Unfortunately, you won’t pay Liberty Mutual’s advertised policy cost of $5 a month.

There are major factors that increase your policy. These include:

  • The amount of coverage you chose
  • The value of your personal property
  • Whether you decide between ACV (actual cost value) or replacement costs
  • The amount of your deductible
  • The amount of liability coverage you choose

But the most important thing that insurers look at is the location of your rental.

If crime rates are high where you live, your rate will be higher.

Is the location of your unit prone to natural disasters like severe wind and hurricanes? If so, your policy will go up.

So not all Connecticut cities have equal renters insurance rates.

Policies are often priced on the local variables as indicated above.

When You Need to Purchase a Rider

If you have high-value possessions, note that they will not be covered up to your personal property limit.

To make sure that your jewelry is insured to its full value, you need to add a rider to your policy.

A rider or endorsement adds more benefits to your basic renters insurance policy.

It’s an add-on for a high-value item that exceeds normal policy coverage limits.

The typical standard renters insurance value cap for high-priced items like jewelry is around $10,000.

So if your pearls are appraised at $15,000, you have to suck it up and pay the extra $5,000.

However, with the rider, you will be fully covered.

But your rate will go up.

The good thing is that the rate won’t skyrocket.

Riders have low costs since they don’t involve too much underwriting

What is the Difference Between an Actual Cash Value and a Replacement Cost Value?

When purchasing renters insurance. it’s important to know the difference because the insurance will ask you to decide between both.

Replacement cost insurance pays the actual cost of replacing your possessions. If your laptop gets stolen and is five years old, insurance will pay to purchase a brand new laptop today regardless of depreciation and up to the limits on your policy.

In contrast, the Actual Cash Value (ACV) policy will only reimburse you for the depreciated value of your possessions if they're damaged or destroyed.

Replacement cost is more attractive to customers because their possessions aren’t depreciated.

How to Save Money on Your Policy

Most insurance companies offer various discounts for renters insurance. The most popular ones are listed below:

Multi-Policy/Bundling

If you have existing coverage for your car and you buy renters insurance from the same company, you’ll probably get a discount.

Security

Renters insurance companies give you a discount based on how secure your rental apartment is.

If you have multiple locks on your unit, burglar alarms, smoke alarms, live in a well-respected and crime-free neighborhood, have a doorman or camera in the lobby, or live in a gated community, you will most certainly get a discount.

Claim-Free

If you’ve never made a claim with your insurance, you will get a claims-free discount.

Great Credit Score

If you have a FICO score that’s higher than 700, you can get a better rate. If your score is “good” or below 650, your rate will increase.

Increase Your Deductible

A deductible is the amount the insurer makes you pay before your insurance picks up the tab. If you increase your deductible, your premium rates will be lowered.

Say you increase a deductible from $250 to $500. This can create an annual savings of up to 15%.

Auto Pay

If you enroll in automatic payment, you can earn a discount.

Frequently Asked Questions

What is the average cost of renters insurance in CT?

PropertyNest found that renter's insurance policies typically cost between $12 and $28 per month depending on the location of the rental unit, size, and possessions. The deductible can also affect how much you pay in premiums each month.

Is renter insurance required?

Renters insurance is not required by law in Connecticut, but some landlords may require it to live on their property. It's generally a good idea to have coverage as your landlord doesn't insure personal items against damage or theft.

What is a premium for renters insurance?

Premiums are a regular payment on an insurance policy that you pay to keep it active. Depending on the type of renter's insurance plan, and how often you'd like your premiums paid, there are several options for paying them monthly or semi-monthly or annually.