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Questions about regular tenants – Answered



Posted on October 8, 2020 By: Abbate Insurance Associates Inc.

If you are renting your home, rent insurance should be very important to you. But all too often we have customers who think they do not need rental insurance, even if they rent properties to live in. This coverage provides a whole host of benefits to the policyholder, who works to keep finances and assets safe. At Abbate Insurance, we often get many questions about the tenant's insurance coverage and what it can do for those who rent their apartment, home or apartment. Take a look at these Frequently Asked Questions about rental insurance in New Haven, CT and how you can secure coverage.

Does my landlord insurance cover me? other structures ̵
1; it does not include your own property or liability issues. Since your landlord does not have an insurable interest in your property, you must purchase rental insurance to protect your personal belongings.

What does the tenants' insurance cover? a natural disaster or is a target for theft, the tenant can try to help. If you cover many accidents and disasters, you can protect your property with this coverage.

Liability – If your property causes damage to someone else's property, a tenant policy will pay for the damage. This can be something like a broken mailbox or accidentally breaking a neighbor's window.

Liability for bodily injury – If anyone other than a close family member is injured as a result of you or your personal property, medical expenses are covered under the tenant's insurance. Should your dog bite a guest, this coverage may also cover medical expenses and costs associated with a lawsuit, should the guest sue you.

How do I know how much my belongings are worth?

You will need to do a home inventory to determine how much coverage you need to purchase in your tenant's insurance. To do this, take pictures or videos of all your belongings, note the price you paid for them or the value. You may be surprised at how quickly your affiliates can make thousands of dollars. Once you have a number, you can work with your insurance agent to secure coverage.

If you have high-value items, such as antiques or musical instruments, you may need additional coverage to fully protect these valuable pieces.

Make sure to keep your home inventory safe and store digital copies and hard copies in various locations. You must update this document regularly when purchasing new items or selling / donating others.

Is the rental insurance affordable?

Tenants' insurance can cost a penny per day – all for reliable coverage! Remember that without this coverage, you are responsible for exchanging all your belongings out of pocket. Tenants' insurance can be as expensive or cheap as you want it to be, so make sure you work with a reliable insurance agent who can tailor the coverage to your needs.

Do you need help deciding which rental insurance to buy? Visit Abbate Insurance for your insurance in New Haven and neighboring cities of Connecticut!

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