Your apartment, rented dwelling, or loft is your home. As such, it should be protected with great care.
Personal Property Coverage
Replacement Cost Coverage ensures that your personal property will be replaced after a covered loss, without deductions for depreciation. Open perils, or "all risks", coverage insures your belongings for a wider array of perils than most standard policies allow, including breakage and mysterious disappearance. Expensive items, such as jewelry or fine art, may be covered separately.
Personal Liability Coverage
Lawsuits affecting renters are common and costly. Whether you accidentally cause water damage to a neighbor’s unit or someone slips and falls in your home, you could be faced with a lawsuit. Comprehensive Personal Liability protects you and your family if you are legally liable for damages to others, both on and off premises.