Renters Insurance Policy Coverage Options Explained Visit our website at russellmassey Call us at (803) 779-7854 or email info@russellmassey Personal Property - Coverage C This coverage helps protect against losses to: 1.The personal property you have in your home such as your clothes and furniture. 2.The personal property you have with you when you are away from home in many places throughout the world. Coverage for your personal property may include losses caused by: 1.Fire or lightning 2.Weight of ice, snow or sleet 3.Explosion 4.Aircraft and vehicles 5.Smoke 6.Sudden and accidental tearing or bulging of heating or cooling systems 7.Windstorm or hail 8.Theft 9.Riot or civil commotion 10.Falling objects 11.Vandalism or malicious mischief 12.Sudden and accidental water discharge from plumbing or appliances 13.Freezing of plumbing systems Loss of Use -- Coverage D Provides payment for specific losses when your home is damaged and rendered uninhabitable because of an insured loss. Additional Living Expense This covers the actual loss incurred for increased expenses over and above what you normally spend for food, shelter and related items for the shortest time required to repair or replace the premises, or for your household to settle elsewhere up to 24 months. Inflation Coverage Will automatically increases the amount of your insurance coverages on your personal property as inflation changes the cost of living. Personal Liability -- Coverage E This coverage provides payment for your legal liability up to the limits in the policy for damages because of bodily injury or property damage caused by an occurrence to which this insurance applies. In addition, it may provide for the payment of your defense against these claims or suits. Medical Payments to Others -- Coverage F This coverage pays medical expenses up to the limits in the policy for people who are on your premises with your permission and are accidentally injured. The coverage also extends to people accidentally injured by your activities. However, the coverage does not pay for medical expenses for you or members of your family who live with you. Stop by for a conversation about your renters insurance needs at our convenient location of 1320 Elmwood Avenue in Columbia. As an independent insurance agency, Russell-Massey & Company can quote several insurance companies, including State Auto Insurance company, Auto Owners Insurance Company, Travelers Insurance Company, Frankenmuth Insurance Company, The Hartford, Central Insurance Company, Selective Insurance Company, Main Street America Group, Progressive Insurance, Berkshire Hathaway, Universal North America, Universal Property & Casualty, Victoria Insurance Company, Safeco Insurance, and Foremost Insurance Company.
Posted on: Mon, 16 Jun 2014 13:35:28 +0000
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