The Hartford offers different types of property insurance to meet your unique needs, including:
Homeowners Insurance
Homeowners insurance helps provide financial protection for your home and things. One type of
homeowners insurance coverage is
personal property insurance. This coverage helps pay to repair or replace your personal belongings, like furniture, clothing and appliances, if they are damaged by a covered loss. Home insurance also includes liability coverage, which helps pay for expenses if someone who doesn’t live with you gets injured, or you damage someone else’s property.
Condo Insurance
Condo insurance helps protect the parts of your condo that you’re responsible for insuring, like appliances, fixtures or any improvements you’ve made. It also helps protect your belongings, like furniture or clothing, if they are damaged. If you can’t live in your condo for a period of time after a covered loss occurs, condo insurance can even help cover your living expenses, up to your policy limits.
Renters Insurance
If you’re renting a property like a home, apartment or condo,
renters insurance can help protect your personal property. It helps pay the costs to repair or replace your things if they are damaged by a covered loss like fire, theft or vandalism. These policies typically include liability coverage as well, which helps pay legal defense costs if you’re found liable for bodily injury or property damage.
Landlord Insurance
While tenants need renters insurance to help protect their personal belongings, property owners need
landlord insurance to help protect their rental property and the contents inside it. Landlord insurance policies typically provide coverage in cases of property damage to the unit, lost income and liability situations.
To define property insurance as simply as possible, it helps protect your property, whether you own or rent your home. Specifically, personal property coverage can help if:
- A fire breaks out and damages your furniture.
- Lightning or hail wreak havoc on your outdoor patio furniture.
- Someone breaks into your home and steals your television.
Not to mention,
personal property insurance coverage from The Hartford will help to replace your things with a comparable item at today’s value, not depreciated actual cash value.
Similar to personal property coverage, property damage coverage helps cover expenses if you accidently damage or break someone else’s property. So, if you rent your apartment and accidentally break the communal coffee maker, you won’t have to pay to buy a new one.
