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Rental Contents Insurance

Why buy contents insurance when you rent an apartment or house?
1.  If  you have a claim that makes living in your home impossible your rental policy will pay up to the policy limit for a alternate place to live.

2.  Your policy will also protect you from guests who may be injured on your property.   The landlord has that coverage.  But only for the landlord's interests.  This leaves you with no coverage.

Primary Coverage

Personal Property
Protection against these losses
 Fire, smoke, explosion
 Lightening, wind, hail
 Riot, vandalism, civil commotion
 Theft, bruglary, robbery
 Weight of snow, sleeet, and ice,debris removal
 Water damage from plumbing and heating systems
 Freezing of plumbing and heating systems
 Bursting of heating or hot water systems

Additional Living Expense
This covers you and members of your immediate family living with you for living expenses, over your ususal expenses, when your home is uninhabitable because of a covered loss.

Personal Liability
This covers you and members of your immediate family living with you against lawsuits arising from bodily injury and property damage as well as the cost of legal defense.  Watercraft for many boats is included at no additional premium.

Optional Coverages



Special Personal Property Coverage
Adds coverage for additional risks of loss subject to certain exclusions

Personal Property Replacement Cost 
Provides "new for old" coverage

Renters Plus
Refrigereated products-adds up to $750.
policy deductible applies
Waiver of deductible for damage caused by broken glass
Property Damage caused by the backup of a sewer or sump pump.  Coverage limits may vary by state and are subject to a $250 deductible
Waterbed liability for damage to the premises you occupy

Scheduled Personal Property 
Personal Computers
Recreational Vehicles
Plus More

Premium Advantages

There are several premium advantages available in most states if you or your home qualify:
Multi Policy Discount (for auto or life policies)
Mature Homeowner Discount
Protective Device Discounts
Fire Resistive Discount
Higher Deductibles
Alarm Discount
Lower rates if in buildings with 5 or more units

           Don't get caught without protection!
Call us for information on your personal solution.