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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: |
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Fire, smoke, explosion |
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Lightning, wind, hail |
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Riot, vandalism, civil
commotion |
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Theft, burglary,
robbery |
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Weight of snow, sleet,
and ice |
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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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