Renter's Insurance

INFORMATION

If you are a renter, you have to worry about some of the same things as a homeowner. There could be a fire, you could have something stolen, someone could be injured in your apartment and sue you. By purchasing a Tenant's Homeowners (or Renters's) Policy, you can obtain the coverage you need to protect yourself and your personal property.

The Renter's Policy includes coverage in four areas:

Personal Property- Pays for damages to your personal belongings (furniture/appliances/clothing/etc...)

Loss of Use- Pays for the cost of staying somewhere else if your apartment cannot be lived in due a loss

Personal Liability- Provides coverage for injuries or damage you cause for which you are legally liable

Medical Payments- Provides coverage if someone is injured on your premises regardless of fault

The standard Renter's Policy provides coverage to your Personal Property for the perils of: fire, lightning, windstorm, hail, explosion, riot, civil commotion, aircraft, vehicles, smoke, vandalism, malicious mischief, theft, volcanic eruption, falling objects, weight of ice/snow/sleet, accidental discharge, rupture of heating/air conditioning system, freezing, and artificially generated current. A loss caused to personal property by anything other than the perils listed above is not covered.

Additional coverages that can be purchased to supplement the standard Renter's Policy include: Personal Property Replacement Cost, Scheduled Personal Property, and Personal Injury Protection.

Do you have an accurate inventory of your personal property and its value?
Click here to view and print a Personal Property Inventory Form.....

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