You have a lot of things that are important to you- from your clothes and furniture to your sound system, sports gear, and computer. You’ll want to feel confident that everything you’ve worked for us, not at risk.
If you are a renter just because your landlord has insurance doesn’t mean it covers your possessions or even protects you against any lawsuits because of accidents. If your property has been broken into and items stolen renters insurance will cover the costs. The same is true if your property is damaged by a fire or server weather. Get the peace of mind that comes with knowing your possessions are covered.
What you need to know
Your renter’s policy covers your personal property against or damage subject to the limits and deductibles you select. The coverage applied when you are away from home.
For a small additional premium, you can choose to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without deduction for depreciation.
Protect Yourself and Your Guests
Your renter’s insurance policy also protects you and your family against certain bodily injury and property damage claims for which you are liable. Legal defense is also provided in the event you are sued after a coverage loss. Subject to the limits you have selected.
In addition, you can select medical payments coverage which will pay for the medical expense incurred by a visitor who is injured at your residence regardless of fault. Various limits are available.
Whether you’re starting out, between homes, or downsizing let us help you find the right amount of coverage to suit your insurance needs.