Renters Insurance

Personal Property
Your policy covers your personal property, anywhere in the world, up to your basic limits.

Your personal property is covered for damages resulting from the following:

* Fire or lightning
* Windstorms or hail
* Explosions
* Damage to glass
* Riot or civil commotion
* Falling objects
* Aircraft and Vehicles
* Sudden and accidental smoke damage
* Sudden and accidental discharge of water or steam from plumbing system or appliances
* Vandalism
* Theft
* Weight of ice, snow or sleet
* Collapse of Building

Personal Liability
Your personal property is covered for up to 5 percent of the amount of coverage on your rental dwelling. Optional higher amounts of coverage are also available.

Your coverage pays for bodily injuries to other people or damage to their property if you are liable, when the damage is caused by the following: * The acts of your pets
* Unintentional acts committed by you or qualified family members, either on or off your premises.

All medical payments for other people injured on your premises, regardless of your liability, will be paid up to the limits you determine.

Additional Liability Coverage
Emergency First Aid pays expenses you incur for necessary medical aid to other people at the time of an accident covered by the policy.

Damage to Property of Others pays up to $500 for damage to property of others caused by you or your qualified family member when you or they are not legally liable.

Legal Expenses
Your coverage pays expenses in a suit we defend on your behalf, such as court costs, attorney fees, investigator fees, expense of witnesses and witness fees. Any expenses you incur at the insurance companys request, including up to $60 a day for actual loss of wages are covered. The insurance company also pays the premium on appeal bonds and bonds to release attachments.

Loss of Use
Your coverage pays the additional costs of living in hotels, eating in restaurants, etc. while your living quarters are uninhabitable due to an insured loss. It also pays up to 20 of the amount of coverage on your personal property with no deductible.

Improvements, Alterations, Additions
You are also covered for accidental damage to improvements, alterations and additions to rented property, up to 10 percent of the amount of coverage on your personal property.

Off-Premises Coverage
This provides coverage for your personal property anywhere in the world. However, if your personal property is located at a secondary residence, such as a vacation home, the policy pays up to $1000 or 10 percent of the amount of coverage provided under personal property coverage.

Contents Replacement Cost
You are also covered for accidental damage to improvements, alterations and additions to rented property, up to 10 percent of the amount of coverage on your personal property.

Personal Articles Floater
This option is available at an additional cost and extends coverage for your personal articles, such as jewelry, furs or fine arts, when their value is higher than the limits stated in your policy.

Non-Smoker Discount
If qualified family members have not smoked tobacco products in the past two years, you can save money with our non-smoker credit.

Protective Devices Discount
Equip your Apartment with one of more safety features, like a working fire or smoke alarm, a burglar alarm, deadbolt locks, a working fire extinguisher, or an automatic sprinkler system and you can take advantage of special discounts.

Auto/Renters Discount
By having Renters Insurance and Auto Insurance as a package, you may qualify for the Auto/Renters credit.

50 Plus Discount
Age has its privileges - you are 50 or more years old, you may qualify for our 50 Plus discount.

This is a general description of coverage and is not a policy contract. The policy itself should be read for your coverages and exclusions. Insurance coverage underwritten by Farmers Insurance Group of Companies.

Renters Insurance

Coverages:

Additional Coverages:

Discount: