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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.
