Types of coverage: Renters protection
You don’t have to own your residence to have significant risks
If you live in a home, condo, or apartment that you rent, the owner is usually responsible for insuring the structure, but little else. Our Home policy is flexible enough to meet your needs in these circumstances.
Our Home policy can be written to exclude the structure while providing superior protection against a broad range of risks.
- Replacement cost for contents. We do not apply depreciation to furniture, clothing, and your other possessions. If you buy new replacements of similar type and quality after a covered loss, we will reimburse you.
- Additions and alterations. The owner’s insurance is unlikely to cover improvements you may have made to the residence, such as adding built-in cabinets or upgraded lighting fixtures and appliances. Our policy promises to pay the full cost of replacing these improvements after a covered loss.
- Personal liability. Don’t assume that the owner’s insurance will pay if someone sustains an injury in your residence. Our policy provides $500,000 in personal liability coverage, with an option for $1 million.
- Additional living expenses. We will pay your additional living expenses if you must live elsewhere while the residence is being repaired due to a covered loss.
- Identity fraud. We pay your expenses for resolving losses due to identity fraud, including attorney fees and lost income if you must miss work. Moreover, we will connect you with outside experts who can handle much of the task of restoring your identity for you—not just coach you—and we will waive your deductible for the cost.
- Lock replacement. Lose your keys? You’re covered for the cost of replacing the locks.
To learn more, please contact one of the independent agents or brokers that represent us. Click on Find an Agent to locate one near you.