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10 Best Renters Insurance Companies in Connecticut of 2022

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.

Buying renters insurance is necessary if you live in a rental apartment.

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 would 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 that 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. Yes, renters insurance doesn’t just cover your apartment.

In addition, renters insurance costs very little.

According to PropertyNest research, on average, a standard renters insurance policy costs around $15 a month.

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 best renters insurance companies in Connecticut based on categories.

Best Renters Insurance in Connecticut

  • Lemonade: Best for Paying Your Claim in As Little as Three Minutes
  • Liberty Mutual: Best for Cheapest Policies
  • Allstate: Best for Bundling Services and Discounts
  • State Farm: Best for Customer Service
  • Travelers Insurance: Best for Coverage Options
  • 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
Editors star rating review
Editor's Rating (4.5 Stars out of 5)

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.

Lemonade's policies start at a monthly rate of $5, but depending on your coverage and how much risk there is in your situation, it could go higher.

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.

Read the full Lemonade renters insurance review.

Lemonade Renters Insurance Pros & Cons

  • Ability to sign up for coverage within minutes.
  • Cheap renters insurance coverage.
  • Best for those looking for instant coverage.
  • Best for those who appreciate having their insurance premiums donated to nonprofit charities.
  • It Covers CT but is only available in 27 states and Washington, D.C.
  • May not be a good fit for those who prefer working with an agent.
  • Doesn’t cover damage caused by pests, like bedbugs.
  • Doesn’t cover utility outages like loss of power, heat, or water.
  • Doesn’t cover damage caused by earthquakes or sinkholes (though damage from wildfires and tornadoes is usually included.)
How is Lemonade Renters Insurance Rated?
J.D. Power (out of 1,000) 853
NAIC Complaint Index 1.94

Liberty Mutual: Best for Cheapest Policies

Liberty Mutual Renters Insurance CT
Editors star rating review
Editor's Rating (4.5 Stars out of 5)

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 researched and figured out that the standard coverage starts at $11 per month. That’s still cheap.

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

Read a full Liberty Mutual home insurance review.

Liberty Mutual Renters Insurance Discounts

Liberty Mutual has many discounts that can lower your premium rate, including the following:


You'll get a discount if you bundle renters insurance with auto insurance.


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.

Liberty Mutual Renters Insurance Pros & Cons

  • Available in all 50 states and Washington, D.C.
  • Easy online claims filing.
  • Get discounts when you bundle coverage.
  • Can add on blanket jewelry coverage for all jewelry and high-priced collectibles, for example, with a single combined limit.
  • Great for consumers that want to connect with a local agent.
  • Customer service is available on the weekends.
  • People looking for multiple lines of insurance coverage.
  • Can only purchase up to $25,000 of personal property coverage.
  • Standard policy doesn’t come with water damage coverage.
  • Earthquake coverage not available in all areas (which you don’t need in CT)
  • Discount availability varies from state to state.
  • Drivers with bad driving records may not qualify for any discounts.
  • Difficult to find the covered perils and customer service numbers on the website.
How is Liberty Mutual Renters Insurance Rated?
J.D. Power (out of 1,000) 834
A.M. Best - Financial Strength Rating A
NAIC Complaint Index 2.37

Allstate: Best for Bundling Services and Discounts

Editors star rating review
Editor's Rating (5 Stars out of 5)

Renters insurance from Allstate has been rated high by AM Best Company for Insurance. They offer various discounts and have excellent online tools that help renters identify their best plan.

This is a multi-policy from one company that can help you compare against your current coverage with ease through their website. With them, there are no limits when it comes to discounts for age or even if you're retired.

Lower your monthly renters insurance premiums by bundling them with car insurance. Allstate's Renters Insurance will protect you and your belongings in the event of a fire, robbery, vandalism, or other unforeseen disasters.

Read a full Allstate renters insurance review.

Allstate Renters Insurance Pros & Cons

  • Multi-policy discounts.
  • Clean and easy to use website and tools.
  • Customizable coverage options.
  • Educational resources on website.
  • Affordable premiums.
  • Customer service is sub-par.
How is Allstate Ranters Insurance Rated?
J.D. Power (out of 1,000) 837
A.M. Best - Financial Strength Rating A+
NAIC Complaint Index 2.05

State Farm: Best for Customer Service

State Farm Renters Insurance CT
Editors star rating review
Editor's Rating (4.5 Stars out of 5)

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

According to the National Association of Insurance Commissioners (NAIC), Allstate has a very low Complaint Index.

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.

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.

Read a full State Farm renters insurance editors review.

State Farm Renters Insurance Pros & Cons

  • Great for customers that want to connect with a local agent.
  • Agents offer personalized service.
  • Simple to use website and app.
  • Offers little discounts or any unique endorsements.
  • Offers only two extra coverage options beyond basic coverage: identity theft protection and extended liability.
How is State Farm Renters Insurance Rated?
J.D. Power (out of 1,000) 836
A.M. Best - Financial Strength Rating A++
NAIC Complaint Index 1.77

Travelers Insurance: Best for Coverage Options

Travelers renters insurance CT
Editors star rating review
Editor's Rating (4 Stars out of 5)

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.

Travelers Renters Insurance Pros & Cons

  • Great coverage options.
  • Better-than-average service.
  • Useful features on website and app.
  • Numerous discounts (not listed here) are available.
  • Higher rates.
  • You must pay your bill in annual installments.
  • Fewer add-ons than you may expect.
  • In some states, customers have to call to get a quote.
  • Can’t go below $30,000 of personal property.
How is Travelers Renters Insurance Rated?
J.D. Power (out of 1,000) 801
A.M. Best - Financial Strength Rating A++
NAIC Complaint Index 3.88

Nationwide: Best for Online Presence

Nationwide Renters insurance CT
Editors star rating review
Editor's Rating (4 Stars out of 5)

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.

Nationwide Renters Insurance Pros & Cons

  • Multiple discounts are available to reduce premiums.
  • Basic policies include stolen credit card coverage.
  • Easy add-on coverage for collectibles and high-value items.
  • Claims center open 24/7.
  • Coverage for even the smallest things, like loss of refrigerated food.
  • High premiums.
  • Premiums higher than the national average.
  • 24/7 for claims, but limited time to contact sales and service.
  • Average customer service.
How is Nationwide Renters Insurance Rated?
J.D. Power (out of 1,000) 859
A.M. Best - Financial Strength Rating A+
NAIC Complaint Index 0.04 (Very Low)

The Hartford: Best for Riders

Hartford renters insurance CT
Editors star rating review
Editor's Rating (4.5 Stars out of 5)

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 for 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

Personal injury will protect you if you're sued for libel or slander.

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

You're protected if a sump pump overflows or a drain backs up and causes water damage.

Hartford Renters Insurance Pros & Cons

  • Covers built-in improvements on rentals that are damaged by a covered event. For example, built-in bookcases or wallpaper.
  • Discounts for bundling are available.
  • Lower premium for living in a building with a monitored security system or 24-hour security service.
  • The Hartford may require you to be a member of AARP if you are 50 years or older to purchase renters insurance.
  • Flood protection is only available if you take out a flood coverage policy, which will increase your rates.
How is Hartford Renters Insurance Rated?
J.D. Power (out of 1,000) 846
A.M. Best - Financial Strength Rating A+
NAIC Complaint Index 5

AAA: Best for Young People

AAA renters insurance CT
Editors star rating review
Editor's Rating (4 Stars out of 5)

AAA is known for its low premiums, which is why first-time renters, college students, or recent grads who need to go from a 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 your rental location (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.

AAA Renters Insurance Pros & Cons

  • 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 claim.
  • Raising the deductible will lower monthly insurance rates.
  • Starting at $8 per month, AAA is one of the cheapest renters insurance around.
  • AAA roadside assistance if you bundle auto and renters insurance.
  • Great for those who prefer talking with a dedicated agent.
  • Weather-related catastrophic natural disasters (floods and windstorms, for example) are not covered in a standard policy.
  • No policy purchase or quotes online.
  • Replaces items based on current market values rather than paying you the full amount of the replacement cost.
  • “Useless” app according to reviews.
  • Insurance 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

Editors star rating review
Editor's Rating (4 Stars out of 5)

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

  • Competitive rates.
  • Easy to navigate website.
  • Claims can be filed online.
  • Policy discounts unique.
  • For those who are over 55 on a fixed income pay less.
  • 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.
  • The basic policy leaves out some coverage that is standard in other renters insurances.
  • Over 100 negative complaints about poor customer service and poor claims resolution.
  • Negative ratings and numerous negative discussions about the company on Reddit.
  • Claims take longer to process than advertised.

Farmers: Best for Claims Satisfaction

Farmers renters insurance CT
Editors star rating review
Editor's Rating (4.5 Stars out of 5)

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 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, drawbacks may 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.

Farmers Renters Insurance Pros & Cons

  • Get a quote or file a claim online.
  • Customer service available seven days a week.
  • Claims service available 24/7.
  • You can get a deductible as low as $100 (other companies go as low as $250).
  • Unique feature: non-smoking households get a discount.
  • Over 90 years of industry experience.
  • Not available in all 50 states.
  • Discount availability varies from state to state.
  • Provides only one add-on coverage option.
  • Insurance rates are higher than the national average.
  • Farmers’ average rates are higher than those of competitors.
How is Farmers Renters Insurance Rated?
J.D. Power (out of 1,000) 831
A.M. Best - Financial Strength Rating A
NAIC Complaint Index 0.56

How We Ranked and Picked the Best Renters Insurance Companies in Connecticut

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

Policy Cost

You shouldn’t pay high for renters insurance. We looked at insurers with 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 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 needs 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.

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

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 floods 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 company's average cost of renters insurance is as follows.

What is the Average Renters Insurance Cost

Company Average 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 your rental location.

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:


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


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.


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 an 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.