Renters Insurance
Contents
Covers your personal property such as furniture and clothing (items that are not attached to or built into the structure). Covers these items for loss due to fire, smoke, wind, theft and other causes as described by your policy.
Personal Liability
Covers damage or injury to other people or their property for which you are held liable except as limited or excluded by your policy.
Medical Payments
Pays for medical or funeral expenses of other people who are injured on your property. Also covers some injuries to others which may occur off of your property, such as your dog biting someone. Coverage typically does not include you, your family or employees.
Loss of Use
Reimburses you (up to the limit specified on your policy) for additional living expenses resulting from being unable to live in your home should it become damaged.
Extended Replacement Cost of Contents
Pays to replace or repair personal property without depreciation being taken from the value of the property.
Water Backup
Protects you against losses to your personal property caused by water that backs up through sewers or drains. This is not flood insurance.
Theft Extention
Provides extended protection for your personal belongings that are stored away from your home or on any motor vehicle, trailer or watercraft.
Credit Card
Pays up to your selected limit for unauthorized transactions on your credit cards, bank debit, and ATM cards. Also applies to forged checks and counterfeit money.
Firearms
Pays for the physical loss of firearms and accessories.
Securities
Pays for the physical loss of securities, accounts, bills, deed documents, evidences of debt, letters of credit, notes other than bank notes, passports, stamps and tickets.
Jewelrly, Watches, Furs
Pays for the physical loss of jewelry, watches, furs and precious and semiprecious stones.
Money
Pays for the physical loss of money, bank notes, bullion, gold other than goldware, silver other than silverware, platinum, coins and medals.
Inland Marine
Protects personal property, such as jewelry, that is mobile.
Personal Injury Liability
Protects you from damages awarded to others due to injuries such as false arrest, libel, slander and invasion of privacy for which you are held responsible.
Building Additions and Alterations
Pays for damages to additions, alterations, fixtures, improvements or installations that you make to your residence.
Available Renters Discounts:
There is NO Limit to the number of discounts you can qualify for!
Deadbolt Locks
Discounts are available when you install deadbolt locks on all exterior entryways.
Fire Extiguishers
Discounts are available when the home is equipped with functioning and current fire extinguishers.
Local Ultrsonic Burglary Alarm
Discounts are available if your home is equipped with a motion detection alarm that notifies police in the event of detected movement in a room where the alarm is set.
Monitered Alarms
Up to 15% reduction if the home is equipped with monitored burglary and / or fire alarms.
Mulit-Policy
Up to 10% reduction if you have multiple policies with us.
Sprinkler System
Discounts available if home is equipped with automatic sprinkler system in case of fire.
