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Many renters live under the impression that their landlord's property insurance policy will protect them against unexpected disasters, a very common misconception that exposes you to serious risk. Their policy only covers the structure itself, not the belongings of renters living there, so you'll need your own policy. K.L. Smith Agency, an insurance agency based in Willimantic, CT, urges everyone to protect themselves with a robust renter's insurance policy.

Here are just a few of the many reasons why you should carry renter's insurance:

  • They're Inexpensive: Most renter's policies will cost less than a couple hundred dollars a year. For that low price, you'll get the peace of mind that comes from knowing that all of your property is fully protected.
  • You Own More Than You Think: Consider how much it would cost to replace everything you own, and how long it would take if you had to pay for it all out of pocket. Think about things like clothes, furniture, and kitchen equipment, as well as more expensive items like computers and electronics.
  • renters insuranceThe Coverage Is Comprehensive: The list of events covered by most renter's insurance policy is fairly long and comprehensive, including everything from fire, theft, and vandalism to more unlikely concerns like volcanic eruptions and falling airplane parts.

For over 60 years, the K.L. Smith Agency has been helping Connecticut residents select the best homeowner's and renter's insurance policies for their needs. With a broad range of products to choose from, they'll ensure you have the coverage you need without paying for coverage you don't. Visit their website to learn more, or call (860) 423-9394 to get renter's insurance rates over the phone today.

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