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Renters Insurance
While your landlord likely may have insurance coverage for the building itself, you may need a renters insurance policy to protect your personal possessions. Your renters insurance policy can also help protect you from liability if, for example, a visitor accidentally trips over your rug and breaks a leg. Get a quote today and get coverage that can help you rent with peace of mind.
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Renters Insurance Coverage
Personal Property Coverage
Renters insurance can provide protection for your furniture and personal possessions at home or away from home against losses such as fire, lightning, windstorms, hail, explosions, smoke and vandalism. A renters policy can also protect your property against many types of theft loss in your apartment or anywhere in the world.
Renters insurance can provide protection for your furniture and personal possessions at home or away from home against losses such as fire, lightning, windstorms, hail, explosions, smoke and vandalism. A renters policy can also protect your property against many types of theft loss in your apartment or anywhere in the world.
Personal Liability Protection
In the event that a claim is made against you or you are sued as a result of a covered occurrence, your renters personal liability coverage can help to cover the associated legal costs and related damages.
For example, if a visitor accidentally trips and falls in your apartment and breaks a leg, your renters insurance policy may be able to help protect you.
Most renters policies provide $100,000 (minimum) of financial protection against covered liability claims and lawsuits brought by others for accidental bodily injury or damage to their property:
In the event that a claim is made against you or you are sued as a result of a covered occurrence, your renters personal liability coverage can help to cover the associated legal costs and related damages.
For example, if a visitor accidentally trips and falls in your apartment and breaks a leg, your renters insurance policy may be able to help protect you.
Most renters policies provide $100,000 (minimum) of financial protection against covered liability claims and lawsuits brought by others for accidental bodily injury or damage to their property:
- While in your apartment.
- Caused by your personal activities, including most sports.
- Caused by your children or pets.
Medical Payments Coverage
Liability coverage generally can pay up to $1,000 per person — regardless of your legal responsibility — when a covered accident on your property involves bodily injury to others. It also can provide coverage in other situations as well. Higher amounts of coverage are available.
Liability coverage generally can pay up to $1,000 per person — regardless of your legal responsibility — when a covered accident on your property involves bodily injury to others. It also can provide coverage in other situations as well. Higher amounts of coverage are available.
Additional Living Expenses
If you are forced out of your apartment by a covered loss, loss of use coverage can provide up to a percentage of the personal property coverage (also referred to as Coverage C) for necessary additional living expenses (such as hotel, meals, laundry, etc.) while your damaged apartment is being repaired. This is subject to coverage terms and limits. Higher amounts of coverage are available.
If you are forced out of your apartment by a covered loss, loss of use coverage can provide up to a percentage of the personal property coverage (also referred to as Coverage C) for necessary additional living expenses (such as hotel, meals, laundry, etc.) while your damaged apartment is being repaired. This is subject to coverage terms and limits. Higher amounts of coverage are available.
Improvements
Renters may spend considerable time and money on alterations or improving their rental unit. Under a renters policy, you may apply up to 10% of your personal property coverage to repair or replace improvements made by you or acquired at your expense if damaged by a covered loss. Higher amounts of coverage are available.
Renters may spend considerable time and money on alterations or improving their rental unit. Under a renters policy, you may apply up to 10% of your personal property coverage to repair or replace improvements made by you or acquired at your expense if damaged by a covered loss. Higher amounts of coverage are available.
Our representative can help you understand your coverage requirements
and help select the best amount of coverage that's right for you.
and help select the best amount of coverage that's right for you.
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