At Bogden Insurance Agency, we want Berlin, CT, renters to enjoy the optimum protection for their homes. Whether you rent an apartment, condo, or house, your home remains your castle, and it deserves the best protection possible. We recommend adding riders to your policy to cover higher-cost items.

Typical Add-ons and Riders

Riders and add-ons let a renter add coverage for things like a home-based business and potential pet damage to the landlord’s home. Scheduling expensive items covers personal property damage that the policy would not fully cover otherwise. These additions to a renters’ policy don’t add much in premiums-just a few dollars. They provide full coverage for your expensive items like an engagement ring, work computer, or surfboards.

Your renters’ policy provides limited coverage for all of your personal property without these add-ons. Most policies only cover $1,000 worth of personal property. That doesn’t cover everything the typical person owns, not even their clothing.

Learning Which Add-ons Work for You

Every renter doesn’t need every rider. You’ll only need an add-on to your policy to cover specific items you own. Schedule a consultation with your insurance agent to determine which additions to your policy you need. They’ll ask you a few questions about your career and hobbies, plus how you use your home. For example, if you develop photos at your rented home, the insurance agent will suggest covering your work or hobby equipment by scheduling it for its full replacement value.

Contact Our Insurance Agents Today

Don’t go another day without the full protection that your renters’ insurance could provide you. Call or email Bogden Insurance Agency to insure your rented Berlin, CT, home.

Residents of Berlin, CT, love their pets. About two-thirds have at least one pet in their household. While having a dog, cat, or other animal can bring you joy, it can also pose a liability risk. That’s why you must ensure that your renter’s insurance policy covers incidents caused by your furry friend. Bogden Insurance Agency can help you determine what you need to cover your risk.

Injuries and Damages Your Pet May Cause

The American Veterinary Association indicates that 4.5 million people suffer dog bites annually, sometimes inflicting severe injuries. You’ll be responsible for medical expenses if your dog injures another person while on your rental property. Animals can inflict other injuries, too, including broken bones and bruises, if someone trips and falls over the animal. Generally, most renters’ policies provide $100,000 to $300,000 in liability. You’ll have coverage up to your liability limits when your pet injures someone. The same applies if your pet damages someone’s property while in your rental home. However, you must check your policy terms to determine if it covers pets.

What If My Renter’s Insurance Doesn’t Cover Pets?

If, after reviewing your policy, you determine that pet liability isn’t included, you have another option. Some insurance companies offer separate animal liability coverage on top of the renter’s insurance. The size of your pet and its breed, as well as your location and the liability limits you choose, will determine the cost of this extra insurance. Note that the cost for some dog breeds that cause injuries will be higher. It’s important to understand your policy terms and make an informed decision about the coverage you need for your pet.

Note that renter’s insurance or additional pet liability will not cover damage to your items or the unit where you live. If you need advice on pets and renter’s insurance, the professionals at Bogden Insurance Agency, servicing Berlin, CT, will gladly help. Call today.

If you rent in Berlin, CT, you may be required by your landlord to carry renters insurance as a condition of your lease. Even if your landlord does not require you to carry renters insurance, you should consider whether a policy is something you want. At Bogden Insurance Agency, we can help you explore your options so you can make the best decision for your own circumstances.

Your Landlord’s Homeowners Insurance

Your landlord is responsible for the property and the structure where you live. If there is a major disaster, such as a fire, the homeowners’ policy will be the one that repairs the damage or replaces the building. The landlord’s policy will also cover all the public or common areas, such as hallways. If someone has an accident in a common area, the landlord is the one who will be responsible.

Why Do You Need Renters Insurance?

While your landlord insures the property, that policy will not cover your personal belongings. If there is a disaster, or if you are the victim of a burglar, your belongings will probably not be covered. 

A renters insurance policy will cover items like:

• your furniture,
• the appliances you own,
• window treatments and rugs,
• electronics, such as your television and computer,
• clothing, 
• and other personal items you may own.

Consult With Us

Even though you are not responsible for the building, you could still suffer a lot if something unexpected happens. You can protect yourself by making sure you have enough coverage that your belongings are protected. If you want to ensure that your Berlin, CT home has the protection you need, call Bogden Insurance Agency so we can show you how affordable renters insurance is.

Having renters insurance really comes in handy if you experience an accident that leads to damage and expense in your rented home. Those renting in Berlin, CT can count on Bogden Insurance Agency to provide them with the renters insurance coverage that they need.

The following are four things to be aware of that you might not know about renters insurance:

You may be able to use your renters insurance to pay for temporary housing.

There’s nothing more stressful than experiencing damage in your home that’s so severe that you can no longer live there. When this happens, it really helps if you have renters insurance that will cover the costs of temporary housing for you. 

"Replacement cost" policies generally offer you the most financial protection. 

Usually, a renters insurance policy will be a "replacement cost" policy. This means that the policy will reimburse you with enough funds to completely replace destroyed valuables. 

It’s best to opt for a "replacement cost" policy rather than an "actual cash value" policy because actual cash value policies will often offer less coverage. 

Renters insurance can cover you if you get sued due to an accident in your apartment.

Renters can face liability expenses just like homeowners can. Liability expenses can be high, so carrying renters insurance is important to protect your assets. 

You can’t assume that you’ll enjoy coverage through your landlord’s property insurance.

There is a common misconception out there that renters benefit from the property insurance that their landlord carries. However, this is not generally true. 

While your landlord’s property insurance may cover repairs to your rental home, this policy is not likely to cover most of your own expenses in the event of damage to the property. 

Give Us A Call

Shop around and find a renters insurance policy that is appropriate for your rental unit and your needs. If you want to get a quote on a renters insurance policy in Berlin, CT, get in touch with us today at Bogden Insurance Agency. 

Renting a home or apartment is an exciting and often overwhelming experience. One of the most important decisions you can make is understanding the legal requirements for renting in your area. Our team of insurance experts at Bogden Insurance Agency can help guide you through the process by covering all aspects of renters insurance and legal obligations in Berlin, CT. 

What is Renters Insurance? 

Renters insurance is a type of insurance policy that covers losses to personal property or liability caused by fires, theft, vandalism, and other covered losses. It also provides financial protection if someone injures themselves or sues you for damages they incurred while on your property. Generally speaking, renters insurance covers any damage to the personal possessions inside your unit, such as furniture, electronics, clothing, and more. 

Is Renters Insurance Required in Connecticut? 

The short answer is no; renters insurance is not legally required in Berlin, CT. However, it is highly recommended that all renters consider purchasing a policy to protect their belongings from unexpected loss or damage. Your landlord’s insurance typically only covers the structural integrity of the building itself—not your belongings inside it. So without renters insurance, you would be left with nothing should an accident affect your personal items located within the rental unit.                

Do I Need Renters Insurance If I Live With Roommates? 

If you live with roommates, it’s even more important for each tenant to purchase their own renter’s insurance policy. That way, each person can rest assured knowing that their belongings are protected from any potential losses or damages caused by their roommate’s negligence or carelessness. Without separate policies, everyone would be held responsible for accidental damage to another tenant’s items should something happen, like a fire or flood, causing damage throughout the entire unit. 

Give Us A Call

For more information about renter’s coverage, contact Bogden Insurance Agency today!

Protecting your college student in Berlin, CT requires taking many steps that you might not have considered. For example, renter’s insurance is an excellent option for when they move out of the house to their first apartment. We at Bogden Insurance Agency can help you understand why these policies are so critical.

What is Renter’s Insurance?

Renter’s insurance is a policy type that people renting a home can purchase to cover anything within their living environment. It covers only things that they own and not the building itself or any appliances that the homeowner installed for them to use.

The nice thing about these policies is that they’re typically designed to be fairly inexpensive and easy to use, meaning that your college student may pay for one without breaking the bank. Just as importantly, these policies can help to protect them from various types of serious loss.

How It Helps College Students

Renter’s insurance can protect your college student by covering all their items inside their apartment. While the apartment or house owner’s policy will protect the building, it will do nothing to protect anything that your college student owns, which could lead to a total loss for them.

As a result, renter’s insurance is a great option that can minimize their potential loss if the house burns down or is otherwise destroyed. For example, a renter’s insurance policy can replace things like computers, video game consoles, and even study guides if you itemize them in your coverage.

Finding a Great Policy

Are you interested in a renter’s insurance policy for your Berlin, CT college student? Then please contact us at Bogden Insurance Agency right away to learn more. These policies are often very inexpensive and can be added to your coverage option fairly easily.

When you are a renter in Connecticut, you have valuables and risks as well as any homeowner does. The solution for that is renters’ insurance. Yet many renters in Connecticut don’t get insurance because they convince themselves that it’s not worth the bother.

At Bogden Insurance Agency, we want renters in Berlin, CT to feel secure about their home and their belongings, like anybody else would. We can help you debunk those myths and help you to feel more informed about what your renters’ insurance would really cover.

You Have Valuables

Just because you don’t own your home or have a mortgage, doesn’t mean that you don’t have contents worthy of insurance protection. You have valuables. If you have a phone and a laptop, you have contents that would financially impair you if they were damaged or stolen.

Your furniture has a value as well, even if you don’t think it’s worth anything. These valuables are worthy of renters’ insurance.

You Can Cover Problems at Home

You might be able to cover damages at home if a problem crops up, but why do that if you don’t have to. That is what insurance is for. If there is a liability in your home, such as an accident or injury to someone else, your renters’ insurance will pay for that.

At the same time, if you lose or damage belongings when you are not at home, your renters’ insurance will cover that as well. If you are traveling for example, and your laptop gets stolen, renters’ insurance will cover that.

It’s Too Expensive

It really isn’t. You will complain more about your food bill than you will your insurance bill on this one. It will never hurt for you to crunch the numbers here. Renters’ insurance will always be less expensive than a new laptop or medical payments for an accident in your home.

Get a Quote

At Bogden Insurance Agency, we know that when you are a renter in Berlin, CT, your valuables are valuable. So is your income. You can’t risk a big medical claim any more than the average homeowner can. Call us for a quote for renters’ insurance today.