Your landlord carries insurance for losses that may occur. Unfortunately, your landlord’s
policy doesn’t cover your personal property. A renter’s Insurance policy can provide the
following benefits:

Personal Property covered:

  • Electronics including TV, DVD, Laptop, IPAD.
  • Furniture, clothes, dishes.
  • Household items and appliances you own.
  • Watches, jewelry and fine arts can be added Must be added via personal articles floater – ask for details. They aren’t normally included!

Renters Insurance covers against what?

  • Theft
  • Vandalism
  • Fire or lightning
  • Windstorm or hail
  • Smoke, if sudden and accidental
  • Sudden and accidental discharge of water or steam from plumbing, heating or A/C system or household appliance.

Additional Coverage: Very Important!

  • Loss of Use – pays for additional living expenses such as hotels, eating in restaurants, etc while your living quarters are uninhabitable due to a covered Loss Fax.
  • Personal property away from home – worldwide protection!

How about protecting my ASSets!

  • Personal Liability coverage – 24 hour a day protection against unintentional acts

    • Acts of your pets.
    • Unintentional acts committed on or OFF your premises.
    • Medical payments for others injured on your premises.


Most carriers offer discounts on your renter’s insurance policy if you also have another
line of business such as:

  • Auto Insurance
  • Life Insurance
  • Business Insurance
  • Umbrella Insurance

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