Renters Insurance

Renters Insurance or HO-4 – This policy covers property of the people who rent a dwelling, it can be a home, a condo, an apartment or a townhouse. The policy covers loss or damage to property as a result of the 16 named perils specified in HO-1 and HO-2. This is a broad policy which can extend to all of the belongings a person owns but not to the dwelling or structure itself. HO-4 can also cover Liability Insurance and Medical Payments to Others, this will help cover the renter with a small amount of insurance in case other people encounter accidental injuries within the property.

What does Renters Insurance Cover?

Personal property, things like computers, furniture, electronics, surfboard, bikes, etc.
Renters insurance may cover losses caused by:

  • Weather: Fire, storms, freezing, weight of ice, wind, hail, lightning, snow or sleet
  • Non-weather: Theft, vandalism, riots, vehicles and aircraft
  • For additional coverage on your valuable add a personal article policy.

What’s Not Covered by Renters Insurance?

Renters insurance may not cover:

  • If the insured intentionally causes harm to property or person
  • Business pursuits or professional services
  • Ownership, operation, or maintenance of aircraft, motor vehicles and some watercraft

Our Carriers:

  • Nationwide Independent
  • American General Life Insurance
  • American Reliable logo
  • amtrust north america logo
  • Anderson & Murison Logo
  • Arrowhead General Insurance Logo
  • Banner Life
  • http://www.earthquakeauthority.com/whoweare/Pages/contactus.aspx
  • California Fair Plan Logo
  • CBIC
  • Charity First Insurance Logo
  • Chubb Insurance
  • Citizens_Property_Insurance_Logo
  • ICAT Catastrophe Insurance
  • C N A Insurance Companies
  • Crestbrook Insurance Company Logo
  • CSE Insurance Group logo
  • Deans & Homer Logo
  • Distinguished Programs
  • ELM Insurance Brokers Logo
  • Employers Insurance Logo
  • Encompass Insurance
  • Fidelity National Insurance Company
  • FEMA: The National Flood Insurance Program
  • First American Insurance Logo
  • Foremost Insurance
  • GMAC Insurance
  • Genworth logo
  • Geovera Insurance
  • Golden Eagle Logo
  • Hagerty Insurance
  • Harford_Mutual_Logo
  • Hartford Steam Boiler
  • The Hartford
  • HCC Surety Group Logo
  • Health Net Logo
  • ICW Logo
  • Infinity Auto Insurance Logo
  • The Insco-Dico Group
  • John Hancock
  • K&K Insurance Group Logo
  • Kaiser Permanente
  • Mercury Insurance Group
  • Met Life
  • Old Republic Logo
  • Oregon Mutual logo
  • Pacific Select Property Insurance Logo
  • Philadelphia Insurance Logo
  • Preferred Employers Logo
  • Principal Financial Group
  • Progressive Insurance
  • Prudential
  • Rain and Hail logo
  • RLI Insurance
  • Safeco
  • Sequoia Insurance Company
  • St. Paul-Travelers
  • State Fund Logo
  • Stuckey & Co. Logo
  • Tapco_Logo
  • Titan Insurance logo
  • Travelers Insurance
  • UCA General Insurance Services Logo
  • USLI Logo
  • US_Insurance_Services_Logo
  • Voya Financial Logo
  • Western National Insurance logo
  • The Zenith Agribusiness Solutions
  • Zenith Logo
  • Zurich Insurance