Renters Insurance Coverage

Renters insurance policies typically provide basic protection for your property. But they may not provide all of the protection you want or need. Consider these renters insurance coverage options and tailor a policy that’s right for you.

Personal liability
Covers bodily injury and property damage to others caused by your actions and/or negligence.

Medical payments
Can pay up to an additional 20 percent of the home coverage limit if there is a total loss of your home – and additional money is needed to rebuild.

Extended replacement cost on contents
Pays to replace or repair personal property without depreciation being taken from the value of the property.

Water backup
This coverage protects you against losses caused by water that backed up through sewers or drains. (This is not flood insurance.)

Ordinance or law
Pays for increased expense to rebuild due to current building codes or ordinances.

Credit card
Pays up to your selected limit for unauthorized transactions on your credit cards and bank debit/ATM card. This coverage also applies to forged checks and counterfeit money.

Jewelry, watches, furs
Pays for the physical loss of jewelry, watches, furs, and precious and semiprecious stones.

Firearms
Pays for the physical loss of firearms and accessories.

Extended replacement cost
Pays full replacement costs without depreciation for covered personal property losses.

Personal injury liability
Provides coverage for damages awarded to others due to injuries such as false arrest, libel, slander and invasion of privacy for which you are responsible.

Theft extension
Provides extended protection for your personal belongings stored away from your home in or on any motor vehicle, trailer or watercraft.

Earthquake and volcanic eruption
Pays for losses to your property caused by earthquake or volcanic eruption.

Building/additions/alterations
Pays for damages to additions, alterations, fixtures, improvements or installations that you make to your residence.

Loss of use
Provides reimbursement up to the limit specified on the policy for additional living expenses resulting from being unable to live in your home.

Money
Pays for the physical loss of money, bank notes, bullion, gold other than goldware, silver other than silverware, platinum, coins and medals.

Hurricane
Provides coverage for property damage resulting from a hurricane. However, this coverage may be subject to special terms, conditions and deductibles in coastal states.

Windstorm or hail
Provides coverage for property damage resulting from windstorms, hail and tornados.

Securities
Pays for the physical loss of securities, accounts, bills, deeds documents, evidences of debt, letters of credit, notes other than bank notes, passports, stamps and tickets.