Coverage Options

Protect Your Stuff
When considering renters insurance, it’s important to know what’s in your place and what you need to protect. Once you make a list of the important things you own and determine their value, you’re ready to select the coverage you need.

When selecting coverage, it’s also important to choose a proper deductible amount. Your deductible is the dollar amount you’ll be required to pay in case of a loss. The higher your deductible, the lower your premium. Ask me about the deductible levels that make sense for you.

Read below for more information on some of the basic coverage options that make up a renters policy. You can also read about enhancing your policy with Optional Coverages and Scheduled Personal Property. For example, do you own specific high-value items like expensive computer or stereo equipment? If so, you may want to insure them with an Optional Coverage. Contact me to discuss which coverages, limits and deductibles may be right for you.

Protect Your Personal Property

Coverage	Description
Personal Property Protection	Your home is more than just the walls of your house; it includes all of your personal things, big and small. Personal Property Protection provides protection against covered loss to movable property like a stereo, bicycle, furniture or clothing.

Protect Yourself and Others

Coverage	Description
Family Liability Protection	If a friend or neighbor was accidentally injured on your property, did you know you could be legally obligated to pay? Family Liability Protection provides protection for insured persons who become legally obligated to pay for covered accidental bodily injury or property damage to others. This protection does not cover auto liability claims.
Guest Medical Protection	Unfortunately, sometimes accidents happen. Guest Medical Protection provides protection for your guests, who are accidentally injured on your property as a result of a covered loss. This protection pays for the reasonable and necessary medical expenses they incur, regardless of who was at fault.
Additional Living Expenses	If something happens to your rental unit and you're forced to quickly find alternative housing that's more expensive, Additional Living Expenses can help. If a direct physical loss makes your home uninhabitable, Additional Living Expenses reimburses you for a reasonable increase in living expenses necessary to maintain your normal standard of living, up to the amount of time specified in your policy. This may include payments for the additional costs of a place to stay, food or other increased living expenses.

Optional Coverages

Coverage	Description
Scheduled Personal Property	If you'd like to protect certain categories of items in your home beyond the limits provided by what's included in your renters policy or an Optional Coverage, Scheduled Personal Property Coverage can provide increased protection for your personal property including, but not limited to: jewelry, watches, furs, stamp and coin collections, fine art, cameras, personal computers and sports equipment. Ask me if Scheduled Personal Property Coverage is right for you or read more about Scheduled Personal Property Coverage options.
Additional Optional Coverages	If you'd like to purchase additional coverage for specific items of value in your home—like jewelry, sports equipment, computer equipment, engagement presents—you may want to consider personalizing your policy with an Optional Coverage. Ask me for more information on the available Optional Coverages or read more about Optional Coverages.

*All coverages are subject to availability and qualifications. Other terms, conditions and exclusions may apply. This is a brief description of coverages; this is not a contract. Please read an Burnette Insurance Services policy for full coverage details.