Renters Insurance
All carriers are A.M. Best rated A or higher. Not all business will qualify and may not be available in all states. The Underwriting and Coverage options below are a general summary. Coverage may vary depending on the state and risk. Please contact your Account Executive for details specific to your risk.
Click on the Products Below
Renters (Online Quoting)
-
- Applicant is the full-time tenant of a dwelling, apartment, condominium,
cooperative unit or a unit in an assisted living facility - Named insured can be an individual(s), trust, estate, limited partnership,
family partnership or LLC - Coastal exposures are acceptable (excluding wind and hail coverage)
- Applicants with one prior loss in the last three years
- Protection class 1-9 acceptable
- Applicant is the full-time tenant of a dwelling, apartment, condominium,
Product Advantages
- Personal injury included
- Personal lines forms for entities other than individuals
- Can include landlord as additional insured
- Ability to quote and bind online
Available Limits
- Coverage C up to $200,000 (for policies not endorsed with Senior Tenant Endorsement)
- Coverage D up to $200,000
- Personal liability up to $1,000,000
- Medical payments included at $5,000
Most Common Ineligible CHARACTERISTICS
- Applicant resides in a nursing home or dementia care facility
- Applicant rents a dwelling with an unfenced pool
- Applicant is a college student
- Unit or home is undergoing renovation
- Unit or home has woodstoves or space heaters
- Unit or home has a business exposure, child care or farm exposures
- Unit or home is rented to college students or has roomers or boarders
- Unit or home is located in a protection class 10
- Risk is located in AK, AL, CA, FL, HI, KY, LA, MS or WV
AVAILABLE ENHANCEMENT ENDORSEMENTS
- Senior Tenant Endorsement – residents of an assisted living, residential living or independent care facility may purchase this endorsement to provide special limits of liability for property items unique to a senior tenant living
scenario (available in PA and NJ only) - Renters Protection Plus Endorsement – optional value-plus endorsement offered to increase specified limits of liability for specific property items
- Pet Damage Endorsement – optional endorsement offered to provide coverage for property damage caused to the residence premises by applicant’s pet
Business Resource Center, Provides centralized access to business solution vendors for all policyholders
-
- Human resources services
- Pre-employment and tenant screenings
- Identity theft protection
- Marketing resources