Your landlord's policy covers the building. It doesn't cover your couch, your laptop, or you if something goes wrong in your unit. That's what this is for.
Here's the misunderstanding we hear most: “my landlord has insurance, so I'm covered.” Your landlord's policy covers the building — the walls, the roof, their liability. It doesn't cover your belongings if there's a fire or a break-in, and it doesn't cover you if a guest gets hurt in your apartment or your bathtub overflows into the unit below.
Renters insurance covers your belongings, your liability, and the extra cost of living somewhere else while your place is being repaired after a covered loss. Most policies cost less than a takeout dinner a month — and if you bundle it with your auto policy, the discount often pays for a good chunk of it.
Furniture, electronics, clothes — at home or stolen from your car.
If someone is hurt in your place, or you accidentally damage the building.
A place to stay and meals out while your apartment is repaired after a covered loss.
Laptops, bikes, and jewelry — ask us about higher limits for big-ticket items.
Many policies include liability if your dog hurts someone or damages property.
Bundle renters with your car insurance and the discount often covers much of the cost.
A few things worth knowing before you sign a lease or renew one:
Not sure how much coverage you need? A quick walk-through of your place — even over the phone — is enough to size it right.
Some discounts aren't applied automatically. We go down the list with you, line by line.
Insuring home and auto with the same carrier is often the single biggest discount available.
Working from home or driving less? Your premium should reflect your actual miles.
Clean record, paperless billing, pay-in-full, and good-student discounts for teens.
No. Your landlord's policy covers the building and the landlord's liability. Your belongings and your own liability are yours to insure — that's exactly what a renters policy is for.
It varies with your belongings, your deductible, and your building — but for most renters it's one of the least expensive policies there is. Get a quote and see the real number for your place; it takes a few minutes.
Usually, yes — belongings stolen from your car or while you're traveling are typically covered, up to your policy limits. Ask us to confirm the wording on your quote.
Yes, and it's often the smartest move: one carrier, one bill, and a bundling discount that frequently covers much of the renters premium.
Flash Insurance Agency Inc is licensed in 42 states, including Connecticut. We don't write coverage in California, Florida, Alaska, Hawaii, Iowa, Kansas, Louisiana, Massachusetts, or Washington, D.C. — if you're in one of those places, we'll tell you straight instead of wasting your time.
A few minutes now beats a hard lesson later. Free quote, honest answer.
