Renters MD | Renters PA

Frederick Mutual offers coverage to protect your personal property from loss by fire, lightning, windstorm, theft and other named perils, as well as, providing you with the additional security of personal liability coverage. REMEMBER – your landlord’s policy is designed to protect his interest in the dwelling and his liability exposure. It does not cover your personal belongings nor provide you with liability coverage. Should there be a loss to the dwelling, and subsequent damage to your personal belongings, how would you replace them? Could you afford to replace them? If someone is injured at your home, or elsewhere by you, are you able to take full responsibility for those liability injuries and legal costs?

The HO-4 Content Broad form policy designed for renters insures your personal property for direct physical loss on a “named perils” basis. Many optional endorsements are available so that you can customize the policy to suit your specific needs. Some common optional endorsements include Personal Property Replacement Cost, Water Backup of Sewers and Drains, Personal Injury and Refrigerated Property Coverage.

In addition, Renters Insurance provides for additional living expenses in the event a covered loss to the property makes the residence premises uninhabitable until repairs are complete. Purchasing Renters Insurance is an easy way to obtain peace of mind for the unexpected.

Confused on how to determine the value of your possessions? Visit the Insurance Information Institute’s website (www.iii.org) for free software to assist you. You can also go to www.KnowYourStuff.org for more information and to download the software.