Hometown Renters Insurance

Guest Medical Protection:

This helps visitors who are injured on your property. It can help cover the necessary medical expenses in an accident, regardless of who's at fault. Medical expenses covered usually include costs like ambulance rides, X-rays, surgical procedures, and hospital stays. Note that guest medical coverage doesn't apply to anyone who lives in the home or is listed on your policy.

Liability Coverage:

The personal liability coverage within your homeowner's policy offers coverage for bodily injury and property damage sustained by others for which you or covered residents of your household are legally responsible.

Other Structures Coverage:

This covers structures on the residence premises separated from the dwelling by a clear space or connected to the dwelling by a fence, utility line, or related connection. Examples include a detached garage, tool shed, driveway, swimming pool, gazebo, or fence.

Personal Property Protection:

Renters Liability Coverage:

If a claim is made against you or you are sued as a result of a covered occurrence, your renters personal liability coverage can help to cover the associated legal costs and related damages. For example, if a visitor accidentally trips and falls in your apartment and breaks a leg, your renters insurance policy may be able to help protect you.

Equipment Breakdown Protection:

This protects from loss due to a mechanical or electrical breakdown of nearly any type of equipment, including photocopiers and computers. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown.

Personal Injury Liability Coverage:

This protects you against bodily injury and property damage for which you or the residents of your home are responsible.

Valuable Items:

Valuable personal property coverage protects items such as expensive collections, engagement rings, watches, and other jewelry from theft, loss, or damage.

Watercraft Coverage:

This rider provides protection from liability and damages caused by a boat. This may be enough if you have a small boat or if you only use it on your property. However, you may want to consider a separate boat insurance policy for larger boats and longer trips.