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DISCLAIMER: If you need a policy updated or changed, please contact your respected agent.
Renters Insurance
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.
Liability Coverage
* 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.
Personal Liability
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.
A deductible is the amount of money an insured person must pay out of pocket before their insurance takes effect.
Personal Property
Property Coverage
When renting anything from an apartment to a house, the renter is always responsible for covering their own personal property. This policy is written under an HO-4 form. Never expect the landlord to pay for any damages that happen as a result of a "names peril" incident. More information can be found below: