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The Cheapest Connecticut Renters Insurance Companies 2021
The cost of living in Connecticut is much higher than the rest of the United States, and the property values are no different. That contributes to many people renting their living space instead of buying homes. The average cost of renters insurance in Connecticut is $15 to $30 per month, which is surprisingly lower than the rest of the United States.
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Without things like homeowners insurance to protect you, it makes it even more important to protect your things with renters insurance. Renters insurance cover your damaged or destroyed items and liability for the property and any guests you may have. That’s why it is so important to find the best cheap renters insurance for 2020.
Best rental insurance companies in Connecticut
As rent increases, your budget gets smaller, and every penny counts that much more. However, you do not want to sacrifice quality and purchase subpar coverage, because you could be left without protection if tragedy strikes.
These are our picks for the best cheap renters insurance companies in Connecticut:
Cheapest Connecticut renters insurance for custom coverage – Allstate
Allstate is perhaps most popular for its auto insurance coverage, which provides an excellent opportunity for renters to combine car and renters insurance for a discount.
Allstate is well-versed in all things insurance-related, so it is a top pick if you are looking for customizable coverage for your needs. You can choose from several add-ons to create your plan.
Best Connecticut renters insurance for customer service – Amica
Amica often gets outstanding scores for customer service from organizations like J.D. Power & Associates.
Amica is widely known for its customer service, earning top marks from agencies like J.D. Power and Consumer Reports. While Amica wasn’t specifically rated for renters insurance, its home insurance received the highest score among all providers rated by J.D. Power., indicating that its service for renters insurance should also be among the best. You can also earn credits for each year of coverage that will go toward a future home insurance policy.
Cheapest Connecticut renters insurance for multiple policies – State Farm
State Farm is also a great company for those looking to bundle their auto and renters insurance policies. This provider has great savings programs and lets you tailor your policy to your needs
State Farm is an excellent choice if you are looking to have multiple insurance policies with one company. In addition to renters insurance, State Farm offers auto insurance, homeowners insurance and life insurance.
Cheapest Connecticut renters insurance company for military – USAA
USAA gets top scores for customer service and for its numerous financial services. However, USAA is limited to members of the military and their families, so not everyone can qualify.
USAA consistently ranks at the top for all kinds of insurance, including renters insurance. Superior customer service and affordability are top perks you’ll receive as a member, but you must be a member of a military household to be eligible for USAA coverage.
To determine Connecticut’s cheapest renters insurance at an average annual rate of $164 per year, we used a sample policy that included the following:
- $30,000 personal property coverage
- $500 deductible
- $1,000 personal liability coverage
- $1,000 medical payment coverage
Frequently asked questions
Renters insurance is not legally required in Connecticut, but it is highly recommended even if your landlord doesn’t require it as part of the rental agreement. Crime happens everywhere, and natural disasters like wind, fire and ice can strike at any time, wreaking havoc upon your home.
The cheapest Connecticut renters insurance for you will depend on your needs and circumstances. Each renters insurance policy is customized to you using details like your zip code, what kind of home you rent and what belongings you want to insure.
The state of Connecticut allows landlords to require renters insurance. Carefully review your lease to see what requirements are included. Regardless of whether your landlord requires it, it’s always a good idea to protect yourself and your home with renters insurance.
Many companies, like Allstate and USAA, allow you to purchase multiple forms of coverage. If you bundle your renters insurance with other things like your auto or life insurance policy, you could be rewarded with extra savings.
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Methodology
The SimpleScore is a proprietary scoring metric we use to objectively compare products and services at The Simple Dollar.
For every review, our editorial team:
- Identifies five measurable aspects to compare across each brand
- Determines the rating criteria for each aspect score
- Averages the five aspect scores to produce a single SimpleScore™
Here’s a breakdown of the five aspect scores and their rating criteria for our renters insurance reviews.
Why do some brands have different SimpleScores on different pages?
To ensure the SimpleScore is as helpful and accurate as possible, we developed unique criteria for every category we compare at The Simple Dollar. Since most brands offer a variety of financial solutions, their products and services will score differently depending on what we’re scoring on a given page.
However, it’s also possible for the same product from the same brand to have multiple SimpleScores. For instance, if we compare State Farm’s home insurance according to our criteria for the best home insurance, it scores a 3.8 out of 5. But when we compare State Farm according to the criteria for the best auto insurance, it scores higher, since the features the company offers can vary by the type of insurance.
Discounts
We awarded higher scores to insurance providers with more discounts available on their website.
Coverage Options
We gave providers with more renter insurance coverage options a higher score because they’re more likely to have a policy that best meets your needs.
Support
We awarded higher scores to renters insurance providers with the most channels for customer support.
Customer Satisfaction
We leveraged the J.D. Power Home Insurance Satisfaction Study℠ to see how customers rated their experience with each insurance provider. (If a provider wasn’t included in J.D. Power’s study, we skipped this aspect and averaged the four remaining aspect scores.)
Accessibility
We awarded higher scores to insurance providers that have more online and mobile features to easily manage your policy and claims.
