If you’re looking to rent a new property in the surrounding areas of Berlin, CT, then you may want to consider the differences between a townhome and an apartment. Both are great options, but some differences might make one of them more appealing than the other to you. 

Layout Difference

A townhome is designed to spread its square footage over the course of several floors. Most townhomes have two or three floors, providing a level of privacy that you can’t find in an apartment. If you are not a fan of stairs, or find them difficult to climb regularly, then you may want to consider an apartment.

Apartments come in a variety of square footage options, but they are always on the same floor. In most cases, you’ll get more room in a townhome, but you can get various bedrooms or an open studio option in an apartment that may be easier for you. 

Neighbors and Noise

In a townhome, you may have a neighbor on both sides of you, but not above or below you. This means that you’ll have less noise and more privacy. If you rent a townhome at the end of a row, you are limited to just one neighbor. Apartments, however, can have neighbors below you, beside you, and above you, increasing the amount of noise that you hear and the amount of privacy that you might get. 

Cost

If you decide to rent a townhome, be prepared that it will likely be more expensive than the apartment. This is because of the square footage, convenience, and privacy. If you are restricted to a certain budget, then you might want to consider moving forward with an apartment.

If you’re in the market for renters insurance, our team at Bogden Insurance Agency is here to assist you with any questions you may have and getting your policy started. 

If you’re a renter in or near Berlin, CT, it’s a smart idea to get renters insurance. Your landlord’s insurance will almost certainly not cover your personal belongings. If there’s a disaster or burglary, and you don’t have renters insurance, you’ll have to foot the bill to replace everything. It’s crucial to understand how these policies work before you get one, though. 

Typical Coverage

Most policies will cover your belongings under the covered perils, including natural disasters, theft, and vandalism. Renters policies usually don’t cover damage to the structure. For example, suppose someone breaks a window, breaks into your home, and steals your belongings. A renters policy will cover your belongings, but not a new window.

Coverage Limits

Policies will cover only items stolen up to a specified amount, known as your coverage limit. If you have $10,000 in damages, but your coverage limit is $5,000, the policy will only pay $5,000, even if your damages exceed that amount. An agent at Bogden Insurance Agency can help explain more about coverage limits. 

Specific Exclusions

Many renters policies specifically exclude high-priced items that are more likely to be stolen, such as expensive electronics or jewelry. You may have to purchase additional coverage for these items or a special policy. Extremely valuable items, such as art collections, often require a special policy. 

It’s best to make a list of the items in your home and their replacement costs. Include things like electronics, furniture (in case it’s damaged in a natural disaster), clothing, books, kitchen appliances, and anything else in your home. Remember small things like silverware and dishes, too.

Then, contact Bogden Insurance Agency. Our representatives can help you find a policy that meets your needs. We’re currently serving the Berlin, CT area. Contact us today!