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.
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.
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.
Special Personal Property Coverage
Adds coverage for additional risks of loss subject to certain exclusions
Personal Property Replacement Cost
Provides "new for old" coverage
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
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
Lower rates if in buildings with 5 or more units
Don't get caught without protection!
Call us for information on your personal solution.