What's Covered
Does not cover damage to the structure itself which is the landlord’s responsibility, or damages from floods and earthquakes unless selected separately.
Personal Property Coverage
If your belongings are damaged or stolen
Helps repair or replace your belongings after damage, theft, or another covered loss.
Personal Liability
If someone is hurt or you’re responsible for damage
Covers injuries or property damage you're responsible for and provides legal defense if needed.
Loss of Use
If you can’t stay in your home after a loss
Helps cover hotel stays, meals, and other living expenses if a covered loss makes your home unlivable.
Building Property Protection
If improvements you’ve made are damaged
Helps cover upgrades you’ve added to your unit, like flooring, cabinets, or fixtures.
Loss Assessment Coverage
If your condo assoc. passes an unexpected charge
Helps cover your portion of shared building expenses when your association issues an assessment after a covered loss.
Scheduled Personal Property
If you want extra protection for specific risks
Gives you the option to protect high-value items or add coverage tailored to your lifestyle.
Personal Property Coverage
If your belongings are damaged or stolen
Helps repair or replace your belongings after damage, theft, or another covered loss.
Personal Liability
If someone is hurt or you’re responsible for damage
Covers injuries or property damage you're responsible for and provides legal defense if needed.
Loss of Use
If you can’t stay in your home after a loss
Helps cover hotel stays, meals, and other living expenses if a covered loss makes your home unlivable.
Building Property Protection
If improvements you’ve made are damaged
Helps cover upgrades you’ve added to your unit, like flooring, cabinets, or fixtures.
Loss Assessment Coverage
If your condo assoc. passes an unexpected charge
Helps cover your portion of shared building expenses when your association issues an assessment after a covered loss.
Scheduled Personal Property
If you want extra protection for specific risks
Gives you the option to protect high-value items or add coverage tailored to your lifestyle.
Who's Covered
Does not cover damage to the structure itself which is the landlord’s responsibility, or damages from floods and earthquakes unless selected separately.
People Living in a Rented Home or Apartment
Your landlord’s policy won’t cover your belongings. This helps replace what you own after damage or theft and includes liability protection if someone gets hurt in your space.
Condo Owners Who Want to Protect Their Space
Protects your belongings and any upgrades you've made, plus your liability inside the condo.
Real-Life Scenarios
A fire in another part of the building affects your unit
Smoke and water from a fire in another part of the building reach your unit, damaging your belongings and making the space temporarily unusable. Your policy helps replace what’s damaged and supports your living arrangements during repairs.
Coverage Applied:
Personal Property
Loss of Use
A guest is injured inside your unit
A visitor slips and is unexpectedly hurt while in your home. Your policy helps address medical expenses and provides liability protection should a claim or legal action arise.
Coverage Applied:
Liability Protection
A break-in leads to stolen belongings
You return home to find your space entered and several valuables missing. Your policy helps reimburse you for the stolen items, easing the financial impact of the loss.
Coverage Applied:
Personal Property
Condo & Renter's Insurance
Coverage for your personal property and liability, whether you rent or own a condo.
Real-Life Scenarios
See how auto insurance protects you in real-world situations
You rear-end another vehicle during rush hour traffic. Your auto insurance covers the damage to the other vehicle, medical expenses for injured passengers, and repairs to your own car.
Coverage Applied:
A sudden hailstorm damages your car while parked. Comprehensive coverage pays for the repairs to your vehicle's body and windshield.
Coverage Applied:
An uninsured driver runs a red light and hits your car. Your uninsured motorist coverage pays for your medical bills and vehicle repairs.