Finding the Best Renters’ Insurance in the Natick, MA Area

Debunking Common Myths About Renter’s Insurance Coverage

As you research insurance policies, you will encounter many common myths about renters insurance for apartments, duplexes, homes, condos, and other types of rental properties. We want you to have the information you need to make an informed decision about the insurance services you need for your peace of mind and protection.
Myth: Renter’s insurance is too expensive.
Reality: Your monthly premium depends upon the insurance company you choose and the level of coverage you want or need. Some policies cost as little as $10 per month.
Myth: I am covered by my landlord’s insurance.
Reality: Your landlord’s insurance policy covers their building and additional structures and their personal property, not your belongings. It also doesn’t protect you from liability for damage or accidents that you are responsible for.
Myth: The cost of coverage isn’t worth it for me.
Reality: When you add up the cost to replace belongings like electronics, clothing, furniture, artwork, jewelry, and other sentimental or important valuables, you will quickly realize that your monthly premium is far less.

Choosing the Right Renter’s Insurance Policy

Our agents can evaluate the size and type of rental property you have, your individual and property risk level, your lifestyle or habits, and the value of your belongings to help you determine what level of insurance coverage you need. We will help you explore your options and answer any questions you have, connecting you with companies that meet your needs, budget, and goals. We can help you balance the cost and value of your belongings with the deductible and premium that you can afford so that you get the optimal level of protection for your peace of mind. Some of the most common types of coverage are:

• Personal Property – This level of coverage provides reimbursement for the damage to or loss of items due to covered events like fire, theft, or vandalism.
• Liability – This protects you from financial or legal liability due to injuries or death of a guest in your home, or accidental damage to someone else’s property.
• Additional Living Expenses – This covers the cost of living expenses if you need to find alternate arrangements because a covered incident has made your rental property unlivable.
• Flood – This protects you from liability occurring due to damage to your landlord’s property due to flooding, or loss of your own property due to water damage.
• Pet – This protects you from damage caused to the landlord’s property by your pet.
• Actual Cost Value or Replacement Cost Value – Actual cash value coverage offers reimbursement for the depreciated value of your belongings. Replacement cost value will pay the current cost to replace lost or damaged items with comparable new ones.

Common Risks Renters Face in Natick, MA

Renters often face a wider variety of risks than homeowners do. Your belongings and personal property might be vulnerable to the same emergencies as homeowners, but you also face additional risk should you be found liable for damage to your landlord’s property. We can help you secure the right level of coverage based on your personal risk. The most common risks that renters in Natick, MA, face are:

Theft, burglary, and vandalism of personal property

• Fire
• Wind and storm damage
• Water damage
• Personal injury claims
• Property damage claims
• Pest and wildlife damage
• Pet damage
• Living expenses incurred if your property is unsafe or uninhabitable

Why Choose Connell & Curley Insurance Agency

As a premier provider of insurance services in Natick and the MetroWest region since 1965, Connell & Curley Insurance Agency takes customer satisfaction very seriously. We simplify the process of choosing a rental insurance policy so that you can make easy, informed decisions about your coverage needs. We’ve partnered with leading regional, national, and global specialty insurance carriers to give you the most affordable rates. Our friendly, licensed insurance agents are a simple text message, email, or phone call away to give you personalized attention every step of the way.

Testimonials From Our Clients

The best way to find the right insurance company for your needs is to research what their clients have to say about working with them. Read through our client testimonials to see if we're a good match for your needs. 

Get a Quick Quote and Protect Your Belongings Today

Protect your belongings and yourself from damage and financial and legal liability. Our agents can connect you with competitive rates for renter’s insurance in Natick, MA. No matter what level of coverage you need, we will make sure you have peace of mind knowing that you and your belongings are safe. Call us now or contact us online to get a personalized quote for renter’s insurance. 

Answers to FAQs About Renter’s Insurance 

Do I need renter’s insurance if my roommate already has coverage?
Yes, you need your own personal renter’s insurance policy. Your roommate’s policy only covers their belongings and liability.

My landlord told me that I don’t need renter’s insurance. Is that true?
Even if your landlord tells you that you don’t need renter’s insurance in order to rent from them, you would still benefit from purchasing a policy to protect yourself.

Is renter’s insurance required in Massachusetts?
Renter’s insurance is not required by law, but a landlord can legally require you to purchase a policy as a term in your lease agreement.

What isn’t covered by renter’s insurance?
A standard renter’s insurance policy does not cover damage to your landlord’s property or belongings, damage caused by your car, or your roommate’s belongings. Some coverage levels may require additional riders or specialized policies, such as coverage of high-value items, water damage, or pet damage.