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Renter's
insurance policies are designed to protect your prized possessions,
protect against any personal liability, and provide assistance if an
apartment or home is damaged due to a loss. Homesite now offers two
separate renters products.
Homesite Insurance offers two different
Renters Insurance products. Our standard product is based on the ISO HO-04
and provides broader coverage for the customer's personal property. Our
Homesite Renters Express® (Renters Express) product is designed for
customers who resides in an apartment complexes and are looking for basic
coverage. It is important to note that the Renters Express product does
not provide the same coverages as the HO-04 and is a named peril policy.
Policy Comparison
| |
Standard
Renters |
Renters Express |
| Coverages |
| Available Coverage C
(Personal Property) |
$36k- $100K |
$15k, $25k, $35k |
| Available
Deductibles |
$250-$2500 |
$250, $500 |
| Available Liability
Limits |
100k,300K,500k |
$25k, $100k, $300k |
| Medical Payments |
1k,$3K,$5k |
$1k |
| Replacement Cost |
Optional |
Included |
| Earthquake |
Optional |
Not Covered |
| Section 1 — Perils Insured
Against |
| Fire or Lightning |
Y |
Y |
| Windstorm or Hail |
Y |
Y |
| Explosion |
Y |
N |
| Riot or Civil
Commotion |
Y |
N |
| Aircraft |
Y |
N |
| Vehicles |
Y |
N |
| Smoke |
Y |
N |
| Vandalism or
Malicious Mischief |
Y |
N |
| Theft |
Y |
Optional |
| Mysterious
Disappearance |
Y |
N |
| Burglary |
Y |
Y |
| Falling Objects |
Y |
N |
| Weight of ice, snow
or sleet |
Y |
N |
| Accidental Discharge
or overflow of water or steam |
Y |
Y |
| Sudden and
accidental tearing apart, cracking, or bulging |
Y |
N |
| Freezing |
Y |
Y |
| Sudden and
accidental damage from artificially generated electrical
current |
Y |
N |
| Volcanic eruption |
Y |
N |
| Additional Coverages |
| Debris removal |
Y |
N |
| Reasonable
repairs |
Y |
Y |
| Trees, shrubs and
other plants |
Y |
N |
| Fire department
service charge |
Y |
N |
| Property Removed |
Y |
N |
| Credit card, fund
transfer, forgery and counterfeit money |
Y |
N |
| Loss assessment |
Y |
N |
| Collapse |
Y |
N |
| Glass or Safety
glazing material |
Y |
N |
| Building additions
and alterations |
Y |
N |
| Section 1 Coverages |
| PP away from
Residence Premises |
Policy Limits |
Policy Limits |
| PP usually located
away from residence premises |
10% of C or $1K |
Not Covered |
| Special limits of
liability |
| Money, Bank notes
etc. |
$200 |
$250 |
| Securities, Accts,
deeds |
$1,000 |
Policy limits |
| Watercraft,
trailers, accessories |
$1,000 |
Not Covered |
| Non watercraft
trailers |
$1,000 |
Not Covered |
| Theft
Jewelry,watches,furs |
$1,000 |
$1,500 |
| Theft of firearms |
$2,000 |
$1,500 |
| Theft of
silverware |
$2,500 |
$1,500 |
| Stamps, Coins,
Sports cards & Memorabilia |
Policy limits |
$1,500 |
| Business prop. Res.
Prem |
$2,500 |
Policy limits |
| Bus. Prop away Res.
Prem |
$250 |
Policy limits |
| Electronic Apparatus
in vehicle |
$1,000 |
$1,500 |
| Elec Apart Not In
vehicle |
$1,000 |
Policy limits |
| Pers. Prop. in a
vehicle |
10% of C or 1K |
$1,500 |
| Section 1 - Exclusions |
| Earth Movement |
Not Covered |
Not Covered |
| Water Damage (Flood
& Backup) |
Not Covered |
Not Covered |
| Power Failure |
Not Covered |
Not Covered |
| Neglect |
Not Covered |
Not Covered |
| War |
Not Covered |
Not Covered |
| Nuclear hazard |
Not Covered |
Not Covered |
| Intentional loss |
Not Covered |
Not Covered |
| Theft |
Not Covered |
Not Covered |
| Property not covered |
| Articles separately
described and specifically insured in this or other
insurance |
Not Covered |
Not Covered |
| Animals, birds or
fish |
Not Covered |
Not Covered |
| Motor vehicles |
Not Covered |
Not Covered |
| Aircraft and
parts |
Not Covered |
Not Covered |
| Property of roomers,
boarders, tenants |
Not Covered |
Not Covered |
| Property in an
apartment regularly rented |
Not Covered |
Not Covered |
| Business data |
Not Covered |
Not Covered |
| Credit cards or fund
transfer cards |
Not Covered |
Not Covered |
| Section II — Liability
Coverages |
| Personal
Liability |
Covered |
Covered |
| Medical Payments to
Others |
Covered |
Covered |
| Section II — Liability
Exclusions |
| Intentional Acts |
Not Covered |
Not Covered |
| Business
activities |
Not Covered |
Not Covered |
| Rental Units |
Not Covered |
Not Covered |
| Professional
Services |
Not Covered |
Not Covered |
| Premises which are
not an "insured location" |
Not Covered |
Not Covered |
| Vehicles/land
conveyances |
Not Covered |
Not Covered |
| Watercraft |
Not Covered |
Not Covered |
| Aircraft |
Not Covered |
Not Covered |
| War |
Not Covered |
Not Covered |
| Transfer of
Disease |
Not Covered |
Not
Covered |
|
All coverage is subject to
approval and qualification. Coverage information is intended to be a
summary and does not supplement or replace specific language of the
insurance contract. |
