Renters

Did you know if you are renting your home or apartment, your personal belongings are not covered by the owner's homeowners policy?  Renters insurance will provide you with coverage for personal belongings and legal liability as well as additions and changes you make to the property.

Personal property.  This covers loss of your personal possessions, including clothes, furniture, stereo equipment, jewelry and other belongings against fire, theft and other perils.

Loss of use.  This coverage pays for additional living expenses - those above and beyond your normal living expenses - incurred if your residence is temporarily unusable because of loss.

Personal liability.  This covers you for personal loss exposure if a claim is made or suit is brought against you due to bodily injury or property damage.

Medical payments.  This coverage will pay the necessary medical expenses for bodily injury of others due to an accident that occurs on your premises or in any location, if caused by you.