Renters Insurance Coverage

Renters 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 Personal Liability Protection

In the event that a claim is made against you or you are sued, your renters personal liability coverage can help to cover the associated legal costs and related damages. Most renters policies provide $100,000 (minimum) of financial protection for covered accidental bodily injury or property damage to others. Higher amounts of coverage are available. 

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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.

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.

Contents Replacement Cost

Personal property replacement cost loss settlement provides for settlement of covered personal property losses based on replacement cost at the time of loss, with no deduction for depreciation. The coverage is subject to applicable policy limits and deductibles and special limits apply to certain items such as jewelry, watches and furs.

Valuable Items Plus

Valuable items plus coverage provides protection for special property such as jewelry, fine art, musical instruments and home computers for an extended variety of losses and can provide higher limits of coverage. For your convenience, no appraisal or listing of insured items is required.