Let us take care of you

Renters Insurance Connecticut

Enhance your renting experience.

Living in Connecticut is filled with benefits. Whether you’re settled near Long Island shores or in Hartford’s calm and cozy countryside, renting in Connecticut means you’ll be surrounded by a beautiful landscape. By choosing to have Renters Insurance coverage, you will be adding extra peace of mind to your everyday life.

While state laws don’t demand having one, your landlord may require it. Renters Insurance coverage is a great safety net for their investment and yours too! Given Connecticut’s seasons, each one with its charms and challenges, it’s crucial to be insured. You may face deep freezes and heavy snowfalls, making coverage a savvy choice. You can lean on PSIC and we’ll bring calm to any seasonal storm.

Renters Insurance Coverage in Connecticut

Explore the fundamental layers of protection provided by Renters Insurance in Connecticut.

Personal property

Protects your belongings, such as furniture, electronics, and clothing, from covered events.

Loss of use

Provides you assistance if your home becomes uninhabitable and you need to move somewhere else in the meantime.

Personal liability

Covers legal expenses if you’re held responsible for bodily injury or property damage to others.

Medical payment

Covers medical expenses if someone is injured on your property and you’re held responsible.

Customize it according to your needs

Level up your Landlord Insurance game with these optional coverages!

Personal computer equipment

Protect both your computer equipment and all the valuable information or software stored there, in the event of a theft, fire, or power outage.

Identity theft

Get support and resources for recovering personal and financial information in the event it’s compromised and needs recovery.

Equipment breakdown

Safeguard yourself against damage or malfunction of home systems and appliances like broken fridges, televisions, or HVAC systems.

Personal injury

Safeguard yourself against damage or malfunction of home systems and appliances like broken fridges, televisions, or HVAC systems.

Common Risks

Tenants must be prepared for the unique risks that come when renting in the beautiful state of Connecticut. At PSIC, we offer Renters Insurance coverage and keep your loved ones, yourself, and your personal belongings safe from common perils like powerful windstorms, wildfires, or flood threats. These events, as unpredictable and destructive as they are, can cause serious problems for your finances if you are not properly insured. Moreover, there are many times when those expenses should be covered by the landlord, like paying for your damage to the property caused by flood.

Additionally, our standard Renters Insurance policy protects you against windstorms and wildfires.

How Much is Renters Insurance in Connecticut

Understanding factors that will affect your Renters Insurance cost, alongside with choosing ideal add-ons, will help you have more comprehensive coverage. In other words, finding the best protection while you’re renting!

Certain cities and zip codes play a huge role in your Renters Insurance cost. If your neighborhood has a higher risk rate for weather damage, or maybe a higher claims history due to crime, your premiums might be more expensive.

Old homes, as unique as they are, are associated with higher risks of damage due to old plumbing, electrical, wiring, and other connections. By detailing this, we can provide tailored coverage and ensure the right protection when you need it most.

 

Striking a balance between cost and coverage is key. Opting for a higher deductible could result in lower premiums, yet it’s important to be prepared for higher out-of-pocket costs when filing a claim.

The claims history can impact your coverage rates. This means that if you have a history of multiple claims insurance companies could consider that as a high-risk profile and that can lead to higher policy rates.

Having insurance is all about putting safety first for you and your loved ones. It’s also about keeping your assets secure, the idea is that you find a policy that’s both protective and affordable. There’s a detailed list on how to enhance it in Renters Insurance coverage. We also recommend that you contact an agent for better assistance.

Save Money on Insurance

Having the best Renters Insurance in Connecticut doesn’t mean it has to be expensive. Find out which options you can choose to make it more affordable while keeping it safe.

Bundle and save

Have 2 active policies with us? Bundle them up and save big!

Claims-free discount

Celebrate your zero-claims stellar record with a well-deserved discount on your premium!

Senior citizen discount

Embrace the retired lifestyle and enjoy lower premiums by living in a retirement community

Gated community discount

Enjoy a special price if you reside in a permanently locked gated community with on-site security personnel.

E-delivery discount

Go paperless, hassle-free, and wallet-friendly. Choose our e-delivery option and watch the savings roll in!

It’s All About Insurance!

Learn about insurance coverage, safety tips, money-saving options, do’s & don’ts, news, and much more in the resources section.

Safety Tips for Dog Owners

Pets become cherished members of our family, but it’s crucial to recognize that they have unique needs and can behave unpredictably at times. Therefore, it’s important to take proper precautions to protect them and also ensure the safety of those around them. Let’s go over some tips to make this happen.

Blog

10 Sep 2024
5 min read

Blog

Advantages of Living in a Gated Community

From enhanced safety and privacy to a strong sense of belonging, living in a gated community offers a wider range of benefits than traditional neighborhoods do. Discover the numerous advantages that come with this lifestyle, we’ll address common questions and provide insights into the advantages of this experience.

Blog

10 Sep 2024
4 min read

Blog

Which Dwelling Fire Policy to Choose?

There isn’t a right or wrong choice of coverage, all it has to do is fit your needs. DP1 Insurance provides basic protection of your property from a detailed list of perils, DP3 Insurance offers a broader scope of coverage, except for a few perils, also mentioned in your policy.

FAQ

FAQ

What is DP3 Insurance?

DP3 Insurance, also known as Special Dwelling Insurance or Open Peril Insurance, is a protective buffer for your rented, primary owner occupied or seasonal property. It’s specifically designed to keep your home and assets safe with an open peril policy, covering a wide scope of potential risks, with a few exceptions.

FAQ

FAQ

Get Fully Protected

Check out all the coverage options available in Connecticut!