Insurance is for personal property and liability protection Property insurance covers the cost of repairing or replacing personal property that has been damaged, destroyed or stolen. Your property is covered both within your home and when you are traveling. Perils protected are: Fire, smoke, lightning, windstorm, theft, vandalism, explosion. Also protected are: hail, riot or civil commotion aircraft damage, falling objects, collapse, water escape, overflow, freezing, and electrical injury. You will be protected, up to the amount purchased.
We make a strong recommendation to insure with replacement coverage for it is the most important decision made in purchasing protection. Replacement coverage means you will be reimbursed for your repair or repurchase of the damaged items at today’s prices less your deductible.
The additional living expenses: if you are forced by fire or other covered damage. Temporarily living elsewhere, restaurant meals and laundry service would typically be covered.
Liability claims at home or away from the actions of a family member. The court cost and defense attorney fees are covered. If someone suffers an injury or damage to there property because of something you did or did not do, you could be liable. If a fire starts in your apartment and spreads throughout the building and you are at fault. You could be liable for damage to the entire building.
Computer Equipment, Jewelry, Fine Arts, Furs or collectibles (such as guns, dolls) are items you should consider the purchasing of special coverage.