Lic: 0B03120
CAUSE A KITCHEN FIRE? YOUR FIRE EXPANDS INTO OTHER UNITS TOO? LEAVE A FAUCET RUNNING CAUSING AN OVERFLOW INTO YOUR UNIT & OTHER UNITS TOO? A GUEST SLIPS & FALLS AT YOUR PARTY OR GET TOGETHER? A COVERED DOG OR OTHER COVERED PET BITES SOMEONE? YOU ACCIDENTALLY HIT SOMEONE WHILE RIDING YOUR BIKE? YOU SLICE A GOLF BALL OFF OF SOMEONES FOREHEAD SENDING THEM TO URGENT CARE?, OTHER COVERED LIABILITY ACCIDENT?
A Renters Policy can pay all damage up to the policy limit from an occurrence which an insured is legally liable to pay because of bodily injury or property damage covered by this policy.
At the insurance carriers' expense, they shall defend an insured against any covered claim or suit. They may investigate and settle any claim or suit that they consider proper. They shall not defend or make any payments after they have paid the policy limits for the occurrence. (Recommed $500,000 limits or more!)
LOSS OF USE - Additional living expenses paid when covered loss makes the rented dwelling uninhabitable.
PERSONAL PROPERTY: Coverage for your Clothes, Furniture, TV, Stereos, Computers, Dishware, Appliances and more. (Theft, Fire, Vandalism and more)
FLOATERS: You may need special covergage limits for certain Personal Property / Contents which is typically not covered, or very limited in the base contents coverage. This can include things like Fine Arts, Antiques, Baseball Card Collections, Stamp Collections, Coin Collections, Jewelry, Guns, Camera Equipment, Musical Equipment and more. We may need an appraisal, a photo and the need to add a Floater Endorsement for your best protection.