Even though you don't own your own home you have personal property that can be lost to fires, burglaries and even lawsuits.
While most homeowners are insured for these risks, many renters are not. No one requires renters to buy insurance to protect their personal property, so many do not.
These are some of the types of losses for which your personal property is covered:
- Smoke, if sudden and accidental
- Sudden and accidental discharge of water or steam from plumbing, heating, or air-conditioning system, or household appliance
- Fire or lightning
- Windstorm or hail
- Loss of use
If you rent a home or a mobile home, you need special protection. Our plans can cover you from almost any kind of hazard. You can be protected against damage to the home or adjacent structures and your contents as well.
Personal Articles Floater or Endorsement.
If you own expensive jewelry, furs or collectibles, you should consider getting additional coverage since there is generally a $1,000 to $2,000 limit for theft of jewelry on a standard policy.
Don't forget to ask about all available discounts. A multi-policy discount could save you some money if you have both your home and auto(s) with the same carrier.