Renters Insurance

Renters Insurance provides some of the same benefits as a homeowner’s policy. It protects your personal property from occurrences like theft, a fire, or sewer backup and will pay for lost or damaged possessions. It does not include coverage for the actual structure except for small modifications a tenant makes to the residence. Renters Insurance can also help protect you from liability if someone is injured on your property.

Extended Replacement Cost

This renters insurance coverage pays to replace or repair personal property without depreciation being taken from the value of the property.

Water backup

This coverage protects you against losses caused by water that backed up through sewers or drains. (This is not the same as flood insurance.)

Scheduled personal property

Provides additional coverage for high-value items, such as jewelry, watches, and furs, as provided by your policy and state law.

Personal liability

Personal liability renters insurance policies may cover bodily injury and property damage to others caused by your actions or negligence.

Personal umbrella liability insurance

A personal umbrella policy offers an extra layer of protection for your assets. This includes bodily injury, property damage and personal injury to others for which you are held liable.

Medical payments

Medical payments may help cover others’ medical expenses resulting from an accident on your property. For home and apartment renters, insurance under this coverage plan does not apply to you or regular residents of your household.

Ordinance or law

This insurance helps cover increased expenses if you need to rebuild due to current building codes or ordinances.

Credit card

Credit card coverage pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. This renters insurance coverage also applies to forged checks and counterfeit money.

Firearms

Firearm coverage may help pay for the physical loss of firearms and accessories.

Personal injury liability

This renters insurance coverage may help pay for damages awarded to others due to injuries such as false arrest, libel, slander, and invasion of privacy for which you are responsible.

Theft extension

This option provides extended protection for your personal belongings stored away from your home in or on any motor vehicle, trailer or watercraft.

Earthquake and volcanic eruption

This insurance pays for covered losses to your property caused by earthquake or volcanic eruption up to the limits you select.

Building/additions/alterations

This option pays for covered damages to additions, alterations, fixtures, improvements, or installations that you make to your residence.

Loss of use

This coverage helps pay for additional living expenses resulting from being unable to live in your home.

Hurricane

Hurricane insurance provides coverage for property damage resulting from a hurricane. However, this coverage may be subject to special terms, conditions and deductibles in coastal states.