Condo and Renters
Personal Property Protection
Provides protection against covered loss to movable property like a stereo,
bicycle, furniture or clothing. Most homeowners' policies set aside special
coverage limits for certain items or categories of property like jewelry, money
and securities. You can increase the coverage limits for these and other
possessions by selecting optional coverage with an endorsement or amendment to
your base policy.
Family Liability Protection
Provides protection for insured persons who become legally obligated to pay
for covered accidental bodily injury or property damage to others. This
protection does not cover auto liability claims.
Guest Medical Coverage
Provides protection for your guests, who are accidentally injured on your
property as a result of a covered loss. This protection pays for the reasonable
and necessary medical expenses they incur, regardless of who was at fault.
Additional Living Expenses Coverage
We'll pay the reasonable increase in living expenses necessary to maintain
your normal standard of living when a direct physical loss we cover makes your
residence premises uninhabitable for up to the amount of time specified in the
policy. This may include payments for the additional costs of a place to stay,
food and other increased living expenses.
Replacement Cost Coverage
In the event of a covered loss, you may be reimbursed for the cost you incur
to replace many of your damaged contents with similar property, brand new. The
total amount you'd be reimbursed is subject to the terms and conditions of your
particular policy, including applicable deductible and coverage limits.
All coverages are
subject to availability and qualifications. Other terms, conditions and
exclusions apply. This is a brief description of coverages; this is not a
contract. Please read a policy for full coverage details.