Category Archives: renters insurance

Your First Apartment: What You Need To Know

connecticut renters insuranceCongratulations, you’re moving into your first apartment.  This is a milestone in your life and you should be excited and proud of this accomplishment.  Here are a few tips to help you while choosing that right apartment as well as after you have moved in.


Be sure when looking at apartments you know the size of the furniture you will be taking with you.  Many times we don’t stop to think in the excitement of apartment hunting about size.  Bring along a tape measure and be sure to check the size of the rooms to make sure your furniture will fit.

Clean First

It’s your first apartment, so it won’t be the Taj Mahal.  So you’ll want to give the apartment a good cleaning prior to moving in all your belongings.  Give the floors, sinks and toilets a good scrubbing. Plus it’s much easier to clean the apartment prior to moving in all your furniture, less to move around.


Now that you’ve moved in to your apartment, you’ll want to get yourself a well-stocked toolbox.  You will need tools to put together furniture, hang decorations around the house and do simple fixes. Having your own tools will make these projects much easier.


Now you can’t expect the apartment to come together overnight.  All things come in good time.  You’ll be on a tight budget for a while, so buy a few things throughout the month that you’ll need for your new apartment.  In time you’ll have all the furniture and decorations to make your apartment just the way you like it.  Also consider checking out local thrift shops for decorations and furnishings as it will save you some money.


Last but not least is renters insurance.  Yes it’s your first apartment and you may not have a lot of possessions yet, but those will add up over time.  You’ll want to make sure you have a basic Connecticut renters insurance policy to protect those possessions you’ve worked so hard for. A basis policy will run you on average $150-$200 a year.  That is small amount to pay to have your possessions covered in case of a fire or theft.

Enjoy that new apartment and your new found freedom.

Penny Hanley & Howley Insurance

Protecting YOU is our Job


Campus Fire-Safety Month

With students headed back to college this month, we felt it important to stress the importance of Fire-Safety Month.  College is a new experience in your student’s life.  We want to make sure they enjoy their college experience as well as be safe.

September is nationally recognized as National Campus Fire Safety Month. Since the program started in 2005, 204 proclamations have been signed by the nation’s governors as well as resolutions in the U.S. Congress. A list of the states is available at

Common Factors

According to information compiled by Campus Firewatch, 86 percent of the campus-related fire fatalities across the nation since January 2000 have occurred in off-campus housing. Five common factors in a number of these fires include:

  • Lack of automatic fire sprinklers
  • Missing or disabled smoke alarms
  • Careless disposal of smoking materials
  • Impaired judgment from alcohol consumption
  • Fires originating on upholstered furniture on decks or porches

Here are some tips for campus fire-safety

  • Always know 2 ways out, wherever you are.
  • Smoke alarms  save lives.  For the price of a pizza you can save a life, maybe yours. Get one today!
  • Live in housing with fire sprinklers. Sprinklers save lives.
  • Cooking and drinking is as dangerous as driving while drinking. Learn more about cooking fire safety.
  • No pizza box on top of stove, will burn if accidentally turned on. Fire spreads fast
  • Smoke alarms can save your life only if they are working. Don’t take out batteries, don’t take them down
  • When the alarm sounds, get out.  You never know when it’s real
  • Most common killer in fires is smoke, spreading far.
  • Don’t overload outlets & extension cords, they can overheat & start a fire.

If your student is living off-campus remember renters insurance to protect them and their belongings.

Penny Hanley & Howley Insurance

Protecting YOU is our Job

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So you don’t think you need renters insurance.


renters insurance

Many renters don’t even consider Renters Insurance unless their landlord requires it.  Most think I  don’t own the building I live in, my landlord does.  Exactly, you don’t own the building you live in and just for that reason you need to make sure your personal belongings are covered in case of fire or smoke, theft, lighting, vandalism, explosion, windstorm and water damage (not by flooding).  Your landlord’s insurance is not responsible for covering your belongings.  Many landlords now require proof of renters insurance before they even let you sign the contract.  As a renters policy only provides coverage for your personal belongings their premiums are very reasonable. Recent studies show that renters are more likely to have a theft occur than homeowners.

But that’s not all renters insurance covers.  Renters Insurance will not only protect your belongings inside your apartment, but also away from home! What’s even more important is the liability protection that your renters insurance policy provides. Your renters insurance policy protects you and your family members against bodily injury and property damage liability claims and any litigation that may result subject to the limits you select. In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available.

Here are some tips to help you decide how much coverage is good for you

Add up the cost of everything you would want to replace if it were damaged or stolen. Take an inventory of the items; it will make the process of filing a claim easier. Take photographs or make a video of these items and place a copy of the inventory in safe place away from your home. You can also you our Home Inventory Section on our new PHH APP.

There are two types of renters insurance policies you may purchase:
1.    Actual Cash Value (ACV) – pays to replace your home or possessions minus a deduction for depreciation up to the limit of your policy
2.    Replacement Cost – pays the actual cost of replacing your home or possessions (no deduction for depreciation) up to the limit of your policy

So before you decide against getting renters insurance for your apartment, give Penny Hanley & Howley a call to review all your options.

Protecting YOU is our Job.

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