• Theft
• Vandalism
• Smoke, if sudden and accidental
• Sudden and accidental discharge of water or steam from plumbing, heating, or air-conditioning system, or household appliance
• Fire or lightning
• Windstorm or hail
• Explosion
• Glass breakage
• Falling objects
• Collapse of building
• Vehicles
• Weight of ice, snow, or sleet
• Riot or civil commotion
• Aircraft

Loss of use
Your coverage pays the additional costs of living in hotels, eating in restaurants, etc., while your living quarters are uninhabitable due to an insured loss. It also pays up to 20 percent of the amount of coverage on your personal property with no deductible.

Personal Liability coverage

This coverage gives you and your family living with you 24-hour-a-day liability protection against claims caused by almost any unintentional act, including:

• The acts of your pets.
• Unintentional acts committed by you or qualified family members, either on or off your premises.
• We cover reasonable medical payments for other people injured in your premises, regardless of liability, up to certain limits stated on your policy.
• Necessary expenses you incur. Limits apply.
• A Renters Package even pays the premium on appeal bonds, bonds to release attachments and the cost of bail bonds.

We can also offer coverage for:

• Emergency first aid
• Damage to property of others