Can My Landlord Require Me to Have Renters Insurance in CT?
Renters insurance can protect you if your property is damaged by a fire or stolen or if you are liable for an accident that causes property or personal damage to others. A landlord in Connecticut can require a tenant to purchase and maintain renters insurance. It will pay for damage to the building or property or bodily injury caused by the negligent act.
Your landlord may have insurance, but that will not cover damage to your property or a case in which you are responsible for causing damage through negligence. Your landlord has no insurable interest in your property or liability. The landlord is not responsible for your actions or your personal property. The landlord’s insurance policy will not cover any of the property in your apartment. You will only be covered if you purchase renters insurance.
Even if most of your property is inexpensive or was acquired secondhand, it is still worth insuring. If your belongings are damaged, you might not be able to find other inexpensive items to replace them. Renters insurance can provide you with the amount of money you will need to replace your possessions with new purchases of comparable items.
Renters insurance is an important thing to have to protect your property from damage or theft. It will also provide coverage if your negligence results in damage to someone else’s property or injury to another person. Renters insurance is generally inexpensive and is a worthwhile investment. Your landlord may even require you to take out a policy as a term of your lease. If you are interested in purchasing renters insurance, contact Petruzelo Insurance today for a quote.
For more information on home insurance in Connecticut, call: 1-866-479-3327
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