A basic Tenant or Renter policy covers the following:
- Personal belongings—furniture, clothing, appliances, etc.
- Liability claims—claims against you for bodily injury and property damage
- Medical payments to others—pays non-household members accidentally injured on your property
In addition to the base coverage, your Homeowner policy can include endorsements or special packages that provide additional coverage, for example:
- Coverage for valuable articles like jewelry, artwork, musical instruments and collectibles.
- Personal Injury—adds protection against more types of personal injury lawsuits (like invasion of privacy, wrongful eviction, or wrongful entry)
- Identity Fraud—reimburses you for your legal fees, document duplication, mailing costs and more
