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Farmers Renters Insurance

Even if you don’t own a home, you probably own a great deal more than you think. Consider all of your furniture, electronics, clothing, appliances, and jewelry, as well as any art, books, or musical instruments you own.  Unexpected things happen every day. That’s what insurance is for.

Your possessions

Many people make the mistake of underestimating the contents of their home, but the value of your apparel, small appliances, electronics, furniture, and personal items can really add up.  Taking an inventory of your personal property can help you determine how much coverage you want to purchase.

Liability Claims

Renters insurance can also help you to cover your assets in the event a guest or visitor to your home is injured as a result of your negligence and brings a liability claim against you, or sues you. When considering the amount of Liability insurance coverage you want to purchase, keep in mind the value of your assets.

Your Valuables

Coverage is available for your valuables up to the limits stated in your policy. You may want to purchase optional Personal Articles Floater, which extend coverage for your personal articles, such as jewelry, furs, fine art, or musical instruments, when their value is higher than the limits stated in your policy.

We’ve prepared this brief video to help you better understand the in’s and out’s of Renters Insurance, including how it can protect you in the event of a crisis.

(click the video to watch)

What Does a Renters Insurance Policy Cover?

Get straight answers to real-world questions, and see how your Farmers Renters insurance would really cover you out there.

What if:

Someone breaks into my apartment and steals my computer?
If you lose property and important data during a covered loss, you would be covered up to your policy limits to replace that data on your equipment. This includes software, text, images, video, or audio files.
My neighbor falls asleep while smoking and starts a fire that damages my clothes?
Your policy covers your personal possessions, including clothing, up to your coverage limit. So your Renters Insurance would help replace your burned or smoke-damaged items.
My friend trips on my wet floor and breaks his ankle in the house?
Renters insurance includes medical payments and liability coverage, which means your Renters insurance could cover his doctor’s bills and any legal bills for action he might take against you, up to your coverage limits.
My dog bites someone?
With some exceptions, your Liability coverage does cover you if your dog bites a guest, a neighbor, or stranger, either on or off the property.
I’m traveling through Europe and someone steals my Smartphone?
Thankfully, your policy covers your personal property anywhere in the world, for the limit amount stated in your policy, subject to any applicable deductible.
There’s a flood, and my passport and birth certificate are destroyed?
If certain valuable papers are destroyed, you’ll be covered for the cost to replace or restore the documents up to your policy limit. This includes certain legal documents, as well as personal records like photos and videos. There is a $500 limit on securities, accounts, deeds, evidences of debt, letters of credit, notes other than bank notes, manuscripts, passports, tickets, and stamp collections. For higher-valued items, consider purchasing a Securities Floater, which can be added to your policy to provide additional coverage.
My favorite ring accidentally washes down the shower drain?
In case of a covered loss of jewelry or watches other than theft, you’ll be reimbursed up to your policy limit. There is a $500 limit on theft of jewelry, watches, precious and semi-precious stones, and furs. For higher-valued items, consider purchasing Jewelry Floater, which can be added to your policy to provide additional coverage.
My building is severely damaged in a fire, and I have to pay to live somewhere else while it’s being repaired?
Your policy also covers additional living expenses for up to 24 months (depending on the policy type), so you can live somewhere safe while your residence it being repaired.

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