Is renters insurance required in Connecticut?
No state laws require you to have renters insurance in Connecticut. However, landlords can require you to have a renters policy as part of a lease agreement. It may help pay for another person’s medical bills or repairs to their property if you’re found legally responsible for their injuries or property damage. Renters liability coverage may also help cover your legal expenses if you’re sued over an incident that occurs in the place you’re renting. Keep in mind that your landlord’s insurance provides coverage for the building itself, but this likely does not include your personal belongings.
What does renters insurance typically cover in Connecticut?
Typically, renters insurance policies in Connecticut can provide coverage against damage to or loss of personal belongings if caused by events such as:
- Fire
- Vandalism and theft
- Lightning strikes
- Wind
- Hail
- Explosions
- Falling objects
- The weight of snow or ice
Flooding — a common risk in Connecticut — is not covered, but special flood insurance through the National Flood Insurance Program (NFIP) may be available for renters.
Mountain Laurel

How much does renters insurance generally cost in Connecticut?
Renters insurance in Connecticut can cost as little as $15 a month (or $1 per year) for around $35,0001 in coverage, about the same as the national average, according to a 2019 report (the most recent data available) by the National Association of Insurance Commissioners (NAIC). Keep in mind that insurance premiums in most states have changed since then. Also, your cost may be different depending on things like how much personal property you want to cover, what deductible you choose and risks specific to your location.
More coverage options in Connecticut
Learn From Experience
Do you have more questions about renters insurance? We have answers.
Even though you’re just getting started, your personal possessions are probably worth more than you realize. Now imagine you have to run out and replace everything at today’s prices. That’s going to be a very expensive shopping trip — unless you have renters insurance to help cover the cost.
Your renters policy helps cover the contents of your apartment for a number of perils — including theft. If someone walks off with your laptop or sound system, your policy can help cover the cost to go out and buy a new one.
These homeowners saw expensive electronics zapped and meteor-sized holes appear in their yards after a lightning strike — just a few examples of the $900 million in damage lightning causes to homes in the U.S. every year.
1 Estimate is based on HO-4 policy with coverage of $32,000 to $37,999.