Renters Insurance

This covers damage done to any personal property, only losses resulting from causes listed in the policy are covered and are subjected to limits and exclusions.

Covers when you're legally liable for someone else's bodily injury or property damage, on or off the premises. It includes costs to resolve claims, acts of your pets on and off the property. 

Covers the medical costs for people injured on your residence, regardless of who is at fault.

Covers additional living expenses, if a loss makes your home unfit to live in, for up to 24 months. 

There are several other optional coverage that can be added to a policy to add extra protection to you and your possessions. 

A floater policy provides extra coverage for specific, more valuable property that falls outside the limits of your policy. 

Replacement cost repairs or replaces lost of damaged items without reducing their value.

Identity shield provides assistance in the event of an identity theft and identity or travel document replacements

Frequently Asked Questions About Renters Insurance

Yes. Your landlord's insurance policy will only cover damage to the building. You need your own insurance policy in order to cover the replacement of your belongings or relocation costs.

You have more than you think, image how costly it would be to replace everything you own. If you can't afford to do so you may want to consider renters insurance

There are many websites, home inventory apps, or as simple as a spreadsheet available to help you decide how much your stuff is worth and thus how much coverage you will need. It is best to do this in case a claim is ever need to be filed.