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. <\/p>\n
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.<\/p>\n
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. <\/p>\n
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. <\/p>\n
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.<\/p>\n
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!<\/p>\n","protected":false},"excerpt":{"rendered":"
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 […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[14,9,23,12,27],"class_list":["post-126","post","type-post","status-publish","format-standard","hentry","category-renters-insurance","tag-berlin","tag-bogden-insurance-agency","tag-ct","tag-insurance","tag-renters"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.bogdeninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/126","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.bogdeninsurance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.bogdeninsurance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.bogdeninsurance.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.bogdeninsurance.com\/blog\/wp-json\/wp\/v2\/comments?post=126"}],"version-history":[{"count":1,"href":"https:\/\/www.bogdeninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/126\/revisions"}],"predecessor-version":[{"id":127,"href":"https:\/\/www.bogdeninsurance.com\/blog\/wp-json\/wp\/v2\/posts\/126\/revisions\/127"}],"wp:attachment":[{"href":"https:\/\/www.bogdeninsurance.com\/blog\/wp-json\/wp\/v2\/media?parent=126"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.bogdeninsurance.com\/blog\/wp-json\/wp\/v2\/categories?post=126"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.bogdeninsurance.com\/blog\/wp-json\/wp\/v2\/tags?post=126"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}