Comprehensive Renters Insurance Options

Affordable Personal Property Insurance For Your Apartment

Comprehensive renters insurance protects you from losses. A Loss is any occurrence which you are legally responsible to pay for. Personal property insurance is the portion of a comprehensive renters insurance plan which covers your losses due to damage to your property, and household accident insurance (a.k.a. personal liability insurance) protects you from paying for someone else’s medical bills should they hurt themselves in your apartment.

This page contains descriptions of many of the comprehensive renters insurance options available to you through this website and the SkyBlue Insurance Agency.

Personal Property Insurance

Personal property insurance will help protect you from losses to:

  1. Personal property in your homes. This includes anything of value.
  2. The personal property you have with you when you are away from home in many places.

Covered Events of a Rental Insurance Plan For Personal Property:

  • Fire or lightning
  • Weight of ice, snow or sleet
  • Explosion
  • Aircraft and vehicles
  • Smoke
  • heating or cooling systems
  • Windstorm or hail
  • Theft
  • Riot or civil commotion
  • Falling objects
  • Vandalism or malicious mischief
  • Sudden and accidental plumbing or appliance water discharge.
  • Freezing of plumbing systems

Loss of Use Coverage

This type of property insurance provides benefits to offset extra costs you may have incurred while your apartment is considered uninhabitable because of an insured loss. 

Additional Living Expense

Similar to Loss of Use Insurance, this portion of your comprehensive renters insurance will pay you back for excess cost-of-living expenses resulting from the temporary lack of use of your home. One example might be the additional meal expenses of eating out while you do not have access to your own kitch

Enhanced Personal Property Insurance

This is international personal property insurance for your belongings no matter where you are in the world. 

Personal Liability Umbrella Policy

This is for a million dollars or more of accident or personal liability insurance for situations which may not be covered by your basic insurance. Click on the get quotes button to learn more about other things you should know about ourcomprehensive renters insurance policies.

Household Accident Insurance

This option provides benefits towards a guests medical bills or property damage if they were caused by an accident on your property or in your apartment for which you can be found liable. It also however, provides benefits towards similar damages which YOU may cause someone else while you are away from your apartment. This is why household accident insurance is often call personal liability insurance.

Household accident insurance also provides payment of your defense attorney against a civil claim or lawsuit resulting from an incident in your home, or an accident you caused somewhere outside of your home. 

Losses Not Insured

The renters insurance policies we sell on this site are very dependable and comprehensive. But no insurance plan covers ALL losses. Below is a list of some common losses that are not insured. 

  1. Water damage caused by flood or underground water.
  2. Earth movement including earthquake or landslide.
  3. Damage caused by nuclear hazard.

Please refer to the policy for a complete list of losses not insured.

Additional Comprehensive Renters Insurance Options

These Comprehensive renters insurance options are available at an additional premium cost. These are not usually included on basic personal property insurancepolicies or household accident policies, but if you need coverage from one of these perils feel free to call us and ask how any of these options would fit into your budget and insurance safety net.

  • Identity Restoration.
  • Earthquake damage.
  • Increased business property.
  • Incidental business liability.
  • Increased liability limits.

Limited Replacement Cost Loss Settlement

Part of personal property insurance which provides insurance benefits to repair or replace the damaged property at the time of loss, if actually replaced. 

Depreciated Loss Settlement

Provides insurance benefits based on the cost to repair or replace damaged personal property minus a fair depreciation in its value at the time of loss.

Personal Property Insurance (Special Limits)

It is the loss settlement provisions of your personal property insurance which determine the loss payment on your personal property. Because of this it is important to know that special limits apply to certain types of property.

Coverage for certain types of property have dollar limits.  Here is a typical list of the types of property that may have “special limits” in a renters policy:

  • Money, bank notes, coins (including collections) 
  • Property used or intended to be used in business
  • Watercraft and equipment 
  • Securities, checks, traveler’s checks, gift cards, phone cards 
  • Trailers (not used with watercraft) 
  • Stamps, trading cards, comic books (including collections) 
  • Home Computers
  • Theft loss of:
  • Jewelry and Furs 
  • Firearms 
  • Silverware and Goldware 
  • Rugs, tapestry, wall hangings 

Antiques, fine arts, painting, statuary, and similar articles that cannot be replaced by new articles, and property not useful for its intended purpose, is limited in coverage to its market value. Higher limits on some of these items are available through optional coverages. 

This page contains only a general description of coverages and is not a contract. Details of coverage or limits may vary in some states. All coverages are subject to the terms, provisions, exclusions, and conditions in the policy itself and in any endorsements.