The Richards Group is one of Vermont's and New England's top retirement and fiduciary advisors

Affordable Renters Insurance is worth the few dollars a month.

A renters policy will cover your lost or damaged personal property as a result of fire, theft or vandalism. Whether you rent an apartment, house, condo or other dwelling you can find affordable renters insurance to protect your personal belongings and yourself.

The liability insurance coverage of a renters policy will help protect your savings and future assets by covering the costs of personal liability claims up to the limits of your policy.

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Give this a try . . .

Take a quick estimate of all your personal belongings in each room from the furniture to your toothbrush. Now decide if you have the cash on hand to replace it all. It could cost you thousands of dollars. You may believe you don’t have any assets to protect, but if sued you can still be required to pay restitution, which could result in years of garnished wages.

Did you know it doesn’t cost you more money to work with an independent insurance agency?

Need more reasons to work with us . . .

When you work with The Richards Group, you get all of this and more at no cost to you:

  • Eco-friendly paperless insurance with the convenience of e-signatures.

  • 24/7 Claim Support from our dedicated in house claims department.

  • Bundle & Save with discounts up to 20% when you bundle your car and renters insurance.

  • Access to a team of insurance specialists who help you with your current and future insurance needs.

  • Competitive premium rate options from multiple insurance companies.

  • Continued review of your insurance year after year to keep the coverage and rates where they should be.

Doesn't my landlord's policy protect me?

Many tenants make the mistake of assuming the landlord’s insurance provides coverage for them. A landlord’s policy does NOT cover your personal belongings or provide protection if you are found responsible in a liability claim. The landlord’s policy will cover the building and injury or property damage they are found responsible for due to failure to properly maintain the property.

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Other coverage that may be available with affordable VT renters insurance include:

Additional living expenses – if the dwelling becomes uninhabitable due to a covered loss, most renters insurance include additional living expenses to cover hotel rooms or other expenses you may incur.

Identity theft – many renters policies either include or offer to add identity theft coverage. If your laptop or smart phone is stolen the renters policy will not only cover the loss of the device, but any fraudulent use of your financial data stored on the device.

Scheduled personal property – if you own valuables such as an engagement ring or camera equipment you can get additional insurance to cover the value beyond the limits provided with the standard renters policy.


We invite you to consult with one of our personal insurance specialist to learn more about your renters insurance options!