The Most Common Misconceptions about Willimantic CT Renters Insurance

The Most Common Misconceptions about Willimantic CT Renters Insurance

As highlighted in our Connecticut renters insurance infographic we published in July 2013, many renters believe that if their landlord has insurance coverage on the property that they are living in, then the renter is covered in the event that a fire or other event damages the contents inside their rented apartment, townhouse, or condo. However, this is one of the most common misconceptions about Willimantic CT Renters Insurance.

Many renters also believe that taking out insurance for their personal belongings is either unnecessary or too expensive. Here are a few other misconceptions many people have about Willimantic CT Renters Insurance.

Myth #1: Renters don’t have enough stuff to need insurance coverage.

All rental properties are susceptible to a variety of damages, whether it is a fire, theft, or even a broken kitchen appliance. Many insurance experts say that there isn’t a scenario in which any tenant should go without renters insurance. Your property goes beyond big ticket items, such as electronics. Willimantic CT Renters Insurance can also cover the loss of kitchen items such as food, and bathroom items such as any fixtures you may have installed.

Myth #2: Renters insurance only covers personal belongings.

Let’s say you experience an accident such as a flood in your apartment. This could easily damage other tenants’ property and can be costly for you. Willimantic renters insurance coverage can protect you financially from these situations. This type of liability insurance can also cover any medical or legal expenses you might incur associated with your home, such as medical expenses for a guest who injures themselves in your home.

Myth #3: Renters insurance is too expensive.

Unlike car insurance or a standard Connecticut Homeowners Insurance policy, a renters insurance plan is not a large additional monthly cost. Though plans will vary, purchasing Willimantic CT Renters Insurance does not have to be a huge financial burden.

If you are currently renting property in Connecticut, and are unsure of how much coverage you will need, the Insurance Information Institute offers a home inventory tool at www.knowyourstuff.org to help you along. Please contact Byrnes Agency today at one of our locations listed below to learn more about our Connecticut Renters Insurance policies.

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Dayville Office

Phone: (860) 774-85
394 Lake Rd
Dayville, CT 06241
United States
info@byrnesagency.com
Hours of Operation: Monday- Friday 9:00am-5:00pm

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Norwich Office

Phone: (860) 886-5498
6 Consumers Avenue
Norwich, CT 06360
United States
info@byrnesagency.com
Hours of Operation: Monday- Friday 9:00am-5:00pm

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Woodstock Office

Phone: (860) 928-7928
1226 Connecticut 169
Woodstock, CT 06281
United States
info@byrnesagency.com
Hours of Operation: Monday- Friday 9:00am-5:00pm