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.
Take the Next Step
To tailor a renters insurance policy that’s right for you:
Talk to your local Nationwide insurance agent.
Or call 1-877-On Your Side® (1-877-669-6877).



