Fairfield is a suburban Essex County community with a mix of apartment complexes along the Route 46 corridor, condo developments, and single-family rentals. It's also the home of RFK Insurance — we've been insuring families and businesses right here in Fairfield for generations.

As a renter in Fairfield, your landlord's insurance covers the building — the walls, the roof, the structure. It doesn't cover your furniture, electronics, clothing, jewelry, or anything else inside your unit. And if someone is injured in your apartment, you could be personally liable. Renters insurance closes both of those gaps at a price most people are surprised by.

A standard renters insurance policy typically covers:

• Personal property — furniture, electronics, clothing, jewelry, and more — if damaged or stolen.
• Liability protection — if someone is injured in your apartment and sues you.
• Additional living expenses — if you're temporarily displaced due to a covered loss like a fire.
• Guest medical protection— helps pay medical bills if a guest is injured in your home.
• Family liability protection— coverage if a family member in your household causes accidental damage or injury.
• Extended protection— computers, jewelry, furs, watercraft, and firearms can be added with extended coverage.

Renters insurance can cover virtually all of your personal possessions. Most policies provide coverage for electronic goods and equipment, small appliances, sports equipment, cameras and photography equipment, furniture, clothing, glassware and china, and books. Other items — such as computers, jewelry, furs, watercraft, and firearms — can also be covered with extended protection.

The good news? Renters insurance is one of the most affordable types of coverage available, often costing less than a few dollars a day.

We encourage every renter to spend just five minutes with a calculator and add up the cost of replacing everything they own. What if you came home tomorrow and your apartment had burned down? Where would you go? How would you pay to replace your clothing, furniture, and appliances? With the right renters policy, you can relax — and say yes to all of the above.

Because we're independent, we don't sell for any single company. We compare quotes from more than 50 top-rated carriers — Chubb, The Hartford, Travelers, and others — to find you the right fit at the lowest available price.

Most Fairfield renters pay somewhere between $15 and $30 per month for solid coverage. Five minutes on the phone with one of our licensed agents is usually all it takes to get a quote.