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Personal Insurance - Renters
 

Primary Coverage
Personal Property - These coverage are subject to policy exclusions on an actual cash value basis (replacement cost less depreciation.)

Protection against loss caused by these perils:
  Fire, smoke, explosion
  Lightning, wind, hail
  Riot, vandalism, civil commotion
  Theft, burglary, robbery
  Weight of snow, sleet, and ice
  Bursting of heating or hot water systems

Additional Living Expenses
This covers you and members of your immediate family living with you for living expenses, over your usual expenses, when your apartment unit is uninhabitable because of a covered loss.

Personal Liability
This covers you and members of your immediate family living with you against lawsuits arising from bodily injury and property damage as well as the cost of legal defense. Watercraft liability for many boats is included at no additional premium.

 


 

 
   

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