Renters Insurance
How Renters insurance helps cover your valuables
Imagine for a moment that you've just returned home from a long day at work to find that there has been a fire. Everything you own has been destroyed: your TV, VCR, stereo, CDs, dishes, furniture and clothing. Who will pay to replace all of your belongings? Where will you stay until your apartment is renovated?
If the unfortunate should happen and you suffer a covered loss, a Farmers Renters package is the answer. It will reimburse you for lost or damaged items, and if the loss makes you home uninhabitable, it will also pay the additional cost of hotel, meals and related expenses.
While Renters insurance can’t prevent a fire or similar loss from occurring, it can bring you back to where you were prior to the loss.
Provides coverage when you landlord doesn't
Your landlord carries insurance for losses that may occur. Unfortunately, your landlord’s policy probably won’t cover your personal belongings for the same loss. The Farmers Renters package fills this gap with the coverage necessary to replace you lost or damaged items.
Benefits
Covered losses
These are some of the types of losses for which your personal property is covered:
- 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 and lightning
- Windstorm or hail
- Explosion
- Glass breakage
- Falling objects
- Collapse of building
- Vehicles
- Weight of ice, snow or sleet
- Riot or civil commotion
- Aircraft
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