Contents
Typical coverages for contents range from $15,000 to $500,000 for personal property. Claims are typically settled at Replacement Cost.

Loss of Use
This coverage provides funds if for some reason you are not able to use your home, such as fire. Typically, this is 40% of your contents coverage.

Personal Liability
This type of coverage covers damages/payments which the insured is legally liable for because of bodily injury or property damage caused by an occurrence arising out of the insureds premises or personal activities. Normally, this ranges from $100,000 to $500,000 in coverage.

Medical Payments
This covers medical expenses incurred by persons, other than the insured, who sustain bodily injury caused by an accident arising out of the insured’s premises or personal activities.

Optional Coverages
There are many optional coverages available for renters, such as home computer coverage, increased limits on certain items such as furs and jewelry, water backup/sump pump coverage, and more.