Renters Insurance

Your possessions are worth a lot to you. So when you rent an apartment or house, you need insurance that covers you and your belongings in case of an unfortunate event.
Renters insurance can give you the protection you need at a price you can afford.

The essentials of quality protection

Renters insurance covers:

• Furniture
  
• Clothing
  
• Appliances
  
• Many other personal belongings
  
• Some of the improvement you've make to the rental unit
  
• Covered items you take while traveling
  

Personal liability coverage provides protection if someone is accidentally injured while in your home, or their property is damaged and the damage is caused by:

• You, your children or your pets
  
• Your personal activities, including most sports
  

Your policy can also cover you:

• For costs associated with defending you in a lawsuit related to an injury or property damage
  
• If you’re held legally responsible for fire damage to your apartment, to the building where you live, or vacation property you rent.
  
• If your credit cards, ATM cards, or checks are stolen or used without your permission
  
• Additional living expenses – If you have to move into temporary housing because of damage to your apartment, we will pay your additional living expenses such as hotel charges and the cost of dining out.
  

The extra protection that’s right for you

While the basic Renters insurance may be appropriate for most people who live in rental units, your situation may call for optional coverages for complete protection. Some optional coverages include:

Valuable Items provides broader coverage for special property such as jewelry, silverware, fine arts, furs, cameras, guns, musical instruments, and personal computers. There are limits in all renters’ insurance policies for these items. We can help you fill these gaps.

Contents Replacement Costs allows you to repair or replace most personal property in your apartment with no deduction for depreciation.

Personal Injury Liablity – In addition to bodily injury and property damage claims, coverage can be extended to provide protection against libel, slander, defamation, and similar offenses

Prices and discounts to save you money – Premiums may be reduced with a wide range of discounts if your home is equipped with:

• Anti-theft devices
  
• Smoke detectors
  
• Fire alarms
  
• Deadbolt locks
  
• Sprinkler system
  
• Fire extinguishers
  
• Account credits (home and auto)

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