Renters face many of the same risks as property owners when disaster strikes. Although your landlord probably has insurance, this only protects the building, not your belongings in it.
A fire or thief could take away your personal contents that you have spent years accumulating. If the unexpected happened, could you afford to replace everything?
Your Western Reserve Group policy covers clothing, furniture, appliances and many other personal belongings.
Coverages for Your Contents
Western Reserve Group insures your personal property “anywhere in the world”. It is insured for losses such as:
- Fire or lightning
- Windstorm or hail
- Smoke
- Vandalism and malicious mischief
- Theft
- Power surge damage to electrical appliances
Replacement Cost for Your Contents
The value of your belongings could be significantly less today than when you purchased them. With the replacement cost endorsement we will pay the actual cost to replace the damaged property with like kind and quality.
Additional Coverages
Special Personal Property Coverage
Special Personal Property Coverage can be added to your renters policy to provide broadened coverage. With this endorsement, coverage is no longer limited to the specific causes of loss listed in your policy.
Additional Living Expenses
If a covered loss means you cannot stay in your home while the repairs are being completed, this policy provides for the increase in the costs of lodging, food, and other expenses.
Personal Liability
A liability lawsuit can be as financially damaging as a fire in your home. If you are found responsible for injury to another person or cause damage to another person’s property, your renters insurance can help protect you.
Optional Coverages
There are additional optional coverages and causes of loss available. Ask your Western Reserve Group agent about:
- Earthquake
- Identity fraud expense
- Damage caused by the back-up of sewers, drains, or sumps
Multi-Policy Discount
If we write both your auto and renters policy, Western Reserve Group offers a discount to make your policies even more affordable.