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A lot of renters think they don't need or can’t afford insurance. The truth is, it’s probably more affordable than you think and it’s cheaper than replacing your belongings in case of a loss. Things like fire, burglary, theft, storms and water damage happen, and your landlord’s insurance policy won’t protect you. That’s where we come in.
Homesite renters insurance policies include protection for your personal property and liability. Here's what's usually covered in a standard renters policy:
$15,000 - $100,000
$100,000, $300,000, or $500,000
$200
$250 - $2,500
$1,000, $3,000, or $5,000
$2,000 to $2,500
20% of Personal Property Coverage
$1,000 to $1,500
$1,000 to $1,500
If you need a little extra protection, we can help with that too. Here are just a few optional coverages that are available for purchase:
When you purchase this endorsement, you can replace stolen or destroyed personal property with items of like kind and quality without deduction for depreciation.
Recovering from identity theft can be time-consuming and costly. In the event your identity is stolen, this endorsement covers up to $15,000 of expenses you incur as a direct result of identity theft. This coverage is only subject to a deductible ranging from $250-$500.
With this endorsement, you can extend the limit of Personal Liability on your renters policy to cover you against libel, slander, and invasion of privacy.
For an additional premium, this endorsement increases your coverage for "business" property on and off the "residence premises."
We know your computers are important, that's why we offer this endorsement. It broadens the coverage for your computer due to direct physical loss. For example, if you accidentally spill a glass of water on the computer, the resulting damage would be covered.
You may add this endorsement to cover your property against loss caused by an earthquake. This coverage is subject to a separate deductible. In California, this coverage is offered through the California Earthquake Authority (CEA).
This endorsement offers you the ability to increase certain personal property coverages from the standard renters limit. For example, the base renters policy covers the theft of valuable silverware up to $2,500. With this endorsement you can choose to increase that coverage to $10,000.
This endorsement allows us to offer open perils coverage for your valuable items such as jewelry, furs, cameras, musical instruments, silverware, fine arts, and golfer's equipment. Losses on scheduled items are not subject to a deductible and these items would be covered up to their insured value.
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Proud to be a part of the American Family Mutual Insurance Company
1-800-466-3748 