Renters Personal Property Coverage

Renters insurance can provide protection for your furniture and personal possessions — at home or away from home — against losses such as fire, lightning, windstorms, hail, explosions, smoke, and vandalism. A renters policy can also protect your property against many types of theft loss in your apartment or anywhere in the world.

Renters Personal Liability Coverage

In the event that a claim is made against you or you are sued, your renter’s personal liability coverage can help to cover the legal costs and related damages. An example: if a tenant starts a fire in the rental, the landlord can sue the tenant for negligence.

Loss of Use Coverage

Loss of use coverage can pay your additional living expenses if you must move out of your home temporarily while it’s being restored. The objective of this coverage is to maintain your standard of living while your home is being rebuilt to prior conditions.

Medical Payments Coverage

Small medical coverage for an accidental occurrence to a guest of the tenant. An example could be urgent care coverage for an injury sustained by a guest cooking. 

Deductible Options

Deductibles on renter’s insurance range from $250 to $2000. It’s important to when choosing a deductible what is an affordable amount to pay when a loss occurs. Iscential can advise you on how to choose your proper deductible for your budget.

Other Optional Coverages Include:

Valuable Items Coverage – Valuable Items coverage can provide higher limits and expanded protection for special classes of property such as jewelry, silverware, furs, and more.

Earthquake Coverage – Replacing your personal property in the event of an earthquake.

Water & Sewer back up Damage Coverage – If water backs up from a sewer or drain within your home, or if water discharges or overflows from your sump pump, this coverage can help cover the loss of your contents 

Identity Fraud – Identity theft coverage can be added to protect from unathorized use of your credit cards, information, etc.

 Optional renters’ Insurance coverage’s can be customized to your personal needs.