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Do you rent your home?
Whether it’s a large house with a white picket fence, or a cozy apartment with a Main Street
view, our tenants (HO-4) policy offers the coverage you need to protect what’s
"yours." But, why do you need insurance if you don’t own your home? Here are some things to consider. Now, here’s
what we can offer.
Personal property Your personal belongings—and those of other
family members who reside with you—are insured on an actual cash value basis up to
the limit you select. Coverage applies wherever your items happen to be—at home, in
transit, in storage, anywhere in the world!
ADDITIONAL PROPERTY COVERAGES
- Building additions and alterations You are insured for up to 10 percent of your
personal property limit for improvements or installations you’ve made to your
apartment (or acquired at your own expense).
- Credit cards If you’re obligated to pay funds due to theft or unauthorized
use of your credit cards or fund transfer cards, you have $500 coverage, with no
deductible. Also covered are forgery and counterfeit currency.
- Fire department service charge We’ll pay up to $500—with no
deductible—for charges you incur each time you require these services to save or
preserve the property you insure with us.
- Loss of use If a fire or other covered loss
makes it temporarily impossible for you to live at home, your policy pays for the extra
living expenses you incur until repairs are completed.
Plus, we provide coverage for losses and expenses related to: trees and shrubs you own;
removal of debris; property that must be removed from your premises to preserve it;
repairs you make to protect your property against further damage; loss assessment;
collapse; and glass breakage.
LIABILITY COVERAGES
- Personal liability You don’t want to go out the door without this coverage.
If you are ever faced with a claim or lawsuit for injuring others or damaging others’
property, this coverage pays up to your liability limit for damages awarded to the
"injured" party. Coverage extends to family members in your household, and stays
with you wherever you are—at home, walking down the street, on the golf course and on
vacation anywhere in the world. We’ll also pay the cost of defending you, even if the
claim or suit is groundless.
- Medical payments to others This "goodwill" coverage pays medical
expenses—up to $1,000 per person—for anyone (other than a family member who
resides with you) who is accidentally injured on your property, whether or not you caused
the injury. Also covered—again, up to $1,000 per person—are medical expenses for
anyone injured off your premises if you are liable. Higher limits are available.
If you haven’t found what you’re looking for or if you have additional
questions, contact an agent in your area. Or, get in
touch with our office nearest you.
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