Rental Insurance

•  All renters insurance policies are equal.

An enhanced renters insurance policy provides increased coverage often-times not found in policies sold by other third-party insurance agencies.

• My Landlord's insurance will cover me.

Your landlord's insurance protects the physical building in which you reside but does NOT cover your personal property, and you may be expected to pay for any damages that you cause to your rental location.

• Liability Insurance? I don't have much liability.

You are responsible for damage done to your rental location or the apartment community. You are also liable if someone is injured as a result of your negligence. The liability portion of renters insurance may protect you in the event of damage to your rental location, the apartment community, or other residents.

 Protect yourself and your belongings with an enhanced renters insurance policy designed for your lifestyle. ePremium offers a more comprehensive renters insurance policy than can be found through other third-party insurance agencies. The policy’s liability coverage protects you in the event of negligent damage to your rental location, the apartment community, or other residents. Residents who are not covered may be responsible to pay for the damages from their personal assets. The policy’s contents coverage protects your personal belongings and property. Fire and forced-entry theft are the most common factors contributing to the loss or damage of personal property. 

 Liability coverage protects you in the event of negligent damage that you may cause to the property of others, including negligent damage that you may cause to your rental location. It also protects in the event of bodily injury to others. Coverage includes legal defense, medical payments to others, claim expenses, first aid expenses, and damage to property of others due to: Fire, Water, Smoke, Explosion. See policy for details. 

 When your personal belongings are damaged or stolen your policy contents coverage reimburses you up to your policy terms and limits. Coverage includes personal property coverage anywhere in the world, as well as loss due to: Fire, Lightning, Windstorm, Forced-Entry Theft, Explosion, Smoke, Vandalism, Hail, Artificial electrical current, Water, Weight of ice/snow/sleet, Falling objects. See policy for details.