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Kent Sutherland

Insurance Corporation

 

 

 

Renters Insurance     Get a quote

How Renters insurance helps cover your valuables

Covered losses
These are some of the types of losses for which your personal property is covered:
  • Theft
  • Vandalism
  • Smoke, if sudden and accidental
  • Sudden and accidental discharge of water or steam from plumbing, heating, or air-conditioning system, or household appliance
  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Glass breakage
  • Falling objects
  • Collapse of building
  • Vehicles
  • Weight of ice, snow, or sleet
  • Riot or civil commotion
  • Aircraft

Loss of use
Your coverage pays the additional costs of living in hotels, eating in restaurants, etc., while your living quarters are uninhabitable due to an insured loss. It also pays up to 20 percent of the amount of coverage on your personal property with no deductible.

Personal Liability coverage

This coverage gives you and your family living with you 24-hour-a-day liability protection against claims caused by almost any unintentional act, including:

  • The acts of your pets.
  • Unintentional acts committed by you or qualified family members, either on or off your premises.
  • We cover reasonable medical payments for other people injured in your premises, regardless of liability, up to certain limits stated on your policy.
  • Necessary expenses you incur. Limits apply.
  • A Renters Package even pays the premium on appeal bonds, bonds to release attachments and the cost of bail bonds.

We can also offer coverage for:

  • Emergency first aid
  • Damage to property of others
     

Optional coverages
 
Personal Articles floater
This extends coverage for your personal articles, such as jewelry, furs or fine arts, when their value is higher than the limits stated in the policy. It pays up to the insured value of the article.
 
Contents Replacement Cost
Use this option to extend the coverage on your personal property to include the cost of repair or replacement without deduction for the depreciation, but no more than the policy limit.

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