Renters Insurance

Renters Insurance

Security for your stuff

Sometimes renters have a false sense of security when it comes to insurance. As a renter, you may be responsible for theft and damage that occurs to your personal property, the personal belongings, keepsakes, valuables and other items that make up your stuff.

Renters insurance offers financial protection for your personal property against theft and damage. It provides insurance for an assortment of items.

Our renters insurance covers you for losses resulting from:

  • Fire and lightning
  • Smoke damage
  • Windstorm and hail
  • Explosion
  • Theft, burglary and robbery
  • Vandalism or malicious acts
  • Glass damage
  • Falling objects
  • Collapse by weight of ice, snow and sleet
  • Accidental discharge of water from plumbing, heating, air conditioning system or household appliances
  • Freezing in plumbing, heating, air conditioning system or household appliances

There’s more. You’ll also receive coverage for:

  • Personal liability
  • Additions or alterations
  • Additional living expenses
  • Credit card, fund transfer car, forgery and counterfeit money
  • Damage to property of others
  • Debris removal

Medical payments to others

  • Personal property at home and away from home
  • Loss assessment

To broaden your insurance protection, ask us about the following optional endorsements:

  • Blanket valuable items and scheduled personal property
  • Personal catastrophe liability
  • Identity fraud expense coverage
  • Replacement value on contents

There are ways to save. Ask us about:

  • Discounts for fire extinguishers, smoke detectors and dead-bolt locks
  • Discount if you’re 60 years of age or older and at least one adult household member remains home during the day
  • Increasing your deductibles to help keep your premium low
  • Bundle multiple policies like renters and auto to save