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There are many issues that need to be considered when properly tailoring a homeowners policy to fit your specific needs. We are here to help you.
* The above descriptions are generalizations and should not be relied upon when determining coverage. You must refer to actual policy wording when determining whether or what type of coverage applies
This coverage would protect you should you accidentally cause another person to be injured. It also provides protection should you accidentally start a fire that would damage the building that you occupy.
Coverage is usually purchased on what is referred to as a “named peril” basis. Major covered perils include fire, lightning, wind, smoke, vandalism and theft. Many other minor coverages are included. There are significant limitations on money, jewelry, guns and business equipment. A deductible applies to this coverage.
Don’t be under the false impression that the landlord is providing coverage for your personal property. He absolutely is not. The renter is responsible for covering his own personal property. This policy is written under an HO-4 form.