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Renters insurance policies are designed to protect personal possessions, protect against any personal liability, and provide assistance if an apartment or home is damaged due to a loss.
The Homesite Renters Insurance Program is based on the ISO HO-04® and provides coverage for a customer's personal property.
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Take a few minutes to get a free, no obligation quote, and see just how affordable our rates can be.
Renters Insurance Policy Information
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Standard Renters |
| Coverages |
| Available Coverage C (Personal Property) |
$15k-$100K |
| Available Deductibles |
$250-$2500 |
| Available Liability Limits |
100k, 300K, 500k |
| Medical Payments |
1k, $3K, $5k |
| Replacement Cost |
Optional |
| Earthquake |
Optional |
| Section 1 – Perils Insured Against |
| Fire or Lightning |
Y |
| Windstorm or Hail |
Y |
| Explosion |
Y |
| Riot or Civil Commotion |
Y |
| Aircraft |
Y |
| Vehicles |
Y |
| Smoke |
Y |
| Vandalism or Malicious Mischief |
Y |
| Theft |
Y |
| Mysterious Disappearance |
Y |
| Burglary |
Y |
| Falling Objects |
Y |
| Weight of Ice, Snow or Sleet |
Y |
| Accidental Discharge or Overflow of Water or Steam |
Y |
| Sudden and Accidental Tearing Apart, Cracking, or Bulging |
Y |
| Freezing |
Y |
| Sudden and Accidental Damage from Artificially Generated Electrical Current |
Y |
| Volcanic Eruption |
Y |
| Additional Coverages |
| Debris Removal |
Y |
| Reasonable Repairs |
Y |
| Trees, Shrubs and Other Plants |
Y |
| Fire Department Service Charge |
Y |
| Property Removed |
Y |
| Credit Card, Fund Transfer, Forgery and Counterfeit Money |
Y |
| Loss Assessment |
Y |
| Collapse |
Y |
| Glass or Safety Glazing Material |
Y |
| Building Additions and Alterations |
Y |
| Section 1 Coverages |
| PP away from Residence Premises |
Policy Limits |
| PP usually located away from Residence Premises |
10% of C or $1K |
| Special Limits of Liability |
| Money, Bank Notes etc. |
$200 |
| Securities, Accts, Deeds |
$1,000 |
| Watercraft, Trailers, Accessories |
$1,000 |
| Non Watercraft Trailers |
$1,000 |
| Theft Jewelry, Watches, Furs |
$1,000 |
| Theft of Firearms |
$2,000 |
| Theft of Silverware |
$2,500 |
| Stamps, Coins, Sports Cards & Memorabilia |
Policy Limits |
| Business Prop. Res. Prem |
$2,500 |
| Bus. Prop away Res. Prem |
$250 |
| Electronic Apparatus in Vehicle |
$1,000 |
| Elec Apart not in Vehicle |
$1,000 |
| Pers. Prop. in a Vehicle |
Policy Limits |
| Section 1 – Exclusions |
| Earth Movement |
Not Covered |
| Water Damage (Flood & Backup) |
Not Covered |
| Power Failure |
Not Covered |
| Neglect |
Not Covered |
| War |
Not Covered |
| Nuclear Hazard |
Not Covered |
| Intentional Loss |
Not Covered |
| Property Not Covered |
| Articles separately described and specifically insured in this or other insurance |
Not Covered |
| Animals, Birds or Fish |
Not Covered |
| Motor Vehicles |
Not Covered |
| Aircraft and Parts |
Not Covered |
| Property of Roomers, Boarders, Tenants |
Not Covered |
| Property in an Apartment Regularly Rented |
Not Covered |
| Business Data |
Not Covered |
| Section II – Liability Coverages |
| Personal Liability |
Covered |
| Medical Payments to Others |
Covered |
| Section II – Liability Exclusions |
| Intentional Acts |
Not Covered |
| Business Activities |
Not Covered |
| Rental Units |
Not Covered |
| Professional Services |
Not Covered |
| Premises which are not an "Insured Location" |
Not Covered |
| Vehicles/Land Conveyances |
Not Covered |
| Watercraft |
Not Covered |
| Aircraft |
Not Covered |
| War |
Not Covered |
| Transfer of Disease |
Not Covered |
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All coverage is subject to approval and qualification. Coverage information is intended to be a summary and does not supplement or replace specific language of the insurance contract.
Take a few minutes to get a free, no obligation quote, and see just how affordable our rates can be.
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"Contrary to popular belief, your landlord's insurance does NOT cover your personal property." |
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