It’s normal to want to feel confident that your belongings are safe in your home, that the things you value, clothes and furniture to your TV, sound system, sports gear, and computer, are not at risk. A renters policy covers your personal property against theft or damage subject to the limits and deductibles you select. The coverage applies even when you are away from home.
- For a small additional premium, you can opt to carry full value coverage on your personal property, which ensures that you will be paid the full replacement cost of items that are damaged or stolen without a deduction for depreciation.
- A renters insurance policy also protects you and your family against certain injury and property damage claims for which you are liable. It covers legal defense in the event you are sued after a covered loss, subject to the limits you have selected.
- In addition, you can select medical payments coverage which will pay for medical expenses incurred by a visitor who is injured at your residence regardless of fault. Various limits are available. Let us help you find the right amount of coverage to suit your insurance needs.
- Renters insurance discounts may be available, including burglar alarm credits and account credits for customers who bundle their renters insurance policy with an auto or umbrella policy.