Includes your general belongings, such as appliances, furniture, electronics, ect. that are not used for business. The amount of coverage you select personal property will determine your renters insurance premium, which can be reduced if you select a higher deductible. There are also discounts available for alarms or combining your home and auto insurance with the same company. You can also schedule high value items such as jewelry, instruments, or fine arts, which allows for broader coverage and eliminates the deductible.

Provides for additional expenses you may incur if your home becomes unusable due to a covered loss, such as hotel expenses while repairs are made.

Protects you in the event you are sued for bodily damage or property damage caused by your negligence. For example, if you are at a friend’s house playing video games, and the controller slips out of your hand and cracks the screen of the television, your insurance policy would pay for the damages.

Covers medical expenses as a result of injuries that occur on your premises, or are caused by you or an animal you own. You do not need to be legally liable for this coverage to apply.