Renters Insurance Coverage:

Standard Coverage

Optional Coverage

We realize that your belongings are just as important as a homeowner's belongings. Our renters policy provides coverage for your household contents and personal belongings.

Furthermore, in the event someone is injured at your place, you could be held legally liable for the injury. Our renters policy provides personal liability coverage should this ever occur.

Standard Coverage:

Property: Your Possessions

• You choose the amount of coverage based on the property you own.
• Personal property is covered anywhere in the world.
• Coverage is on a named-peril basis, which means that only losses resulting from causes listed in the policy are covered (subject to exclusions).

Liability

• Pays when you're legally liable for someone else's bodily injury or property damage resulting from an accident, negligent acts by you or qualified household members (on or off premises) and the acts of your pets.
• Includes costs to resolve claims or defend lawsuits brought against you.

Medical Payments

• Pays medical costs for people injured at your residence (other than residents of your household), regardless of liability.

Additional Living Expenses

• Covers additional living expenses if a covered loss makes your living quarters uninhabitable.
• Coverage is based on a percentage of the amount of insurance you choose for your personal property.

Optional Coverage:

Scheduled Personal Property
Scheduled and unscheduled coverage of important valuables is available.

Replacement Cost
Contents replacement cost is available to pay for the cost of repairing or replacing lost or damaged items without deducting for their depreciation.

Identity Shield^SM
State-of-the-art assistance in the resolution of identity theft events, advocacy services relating to the prevention of identity theft and replacement of certain important documents.

We specialize in the insurance you need to
keep your "home sweet home"

 

Home insurance, also commonly called hazard insurance or homeowners insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one's home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home.

There are seven standardized homeowners insurance forms in general and consistent use.

1. HO-1 A limited policy only for items specifically outlined in the policy

2. HO-2 A limited policy in that it covers specific portions of a house against damage.

3. HO-3 This policy is the most commonly written policy for a homeowner

4. HO-4 This is commonly referred to as renters insurance or renter's coverage.

5. HO-5 This policy, similar to HO-3, covers a home (not a condo or apartment)

6. HO-6 As a form of supplemental homeowner's insurance, also known as a Condominium Coverage, is designed especially for the owners of condos.

7. HO-8 It is usually called "older home" insurance.