We offer different packages tailored to meet your personal, ever-changing needs. Tell us your Comprehensive Insurance Package requirements and our experienced agents will create or adjust a plan accordingly. Our team is happy to answer your questions and make personalised recommendations based on your input. We are here to represent you and make sure you receive the best possible insurance package suited to your needs.
These are the basic renters insurance coverages and come standard in your policy.
Personal possessions: Covers your stuff if it's stolen or damaged
Personal property covers your belongings if they're damaged or stolen. Your items can include furniture, clothes, electronics, etc. Plus, your belongings are covered even if they're not in your home (your car, storage unit, etc.)
Loss of use: Covers your temporary living expenses
If your place is damaged and you can't stay there, loss of use coverage pays for hotel/rent and food expenses above what you'd usually pay.
Personal liability: Covers lawsuits if someone sues you
If someone sues you or a family member you live with (for damage to their property or their injuries), personal liability covers you.
Medical payments: Covers injuries at your place
Medical payments coverage pays for medical bills if someone else is hurt at your place.
You can add any of these coverages to customize your policy based on your needs.
Water back-up: Covers water damage from backed-up sump pumps and sewers.
Some apartments/homes have sump pumps in their basements or crawl spaces. These are designed to pump water out from underneath and around the foundation. Sometimes these sump pumps or plumbing/sewer systems get backed up. Water may then flood into your place and cause an expensive mess. Water back-up will then pay for damage to your belongings and water removal.
Personal injury: Covers rare but expensive lawsuits and situations.
Personal injury coverage pays for your legal fees and additional damages from:
Slander or libel lawsuits (something you say or write that damages someone else's reputation or business)
Wrongful eviction
Lawsuits against you, such as wrongful entry or malicious prosecution
False arrest, detention, or imprisonment