Tenant Home-Guard


 Optional Coverages

  • Scheduled Personal Property
  • Replacement Cost Option for Personal Property
  • Additional Coverage – Personal Property (broadens covered causes of loss)
  • Personal Injury
  • Water/Sewer Backup

Why You Need Insurance

You may not think it’s important to have insurance — after all, it’s not like you own the building! But imagine these scenarios:

  • Thieves clean out your apartment while you are on vacation.
  • Someone trips over a power cord in your apartment and is injured.
  • The building catches on fire and your belongings are lost due to water, smoke, and fire damage.
  • Lightning strikes and damages your television and computer.
  • A tornado destroys your dwelling as well as many of your belongings.
  • You have to pay for a hotel room following the fire until the landlord fixes your apartment.
  • Your child hits another child with a baseball

As we’ve all discovered, you can never discount such possibilities.

Other Advantages

Renter’s insurance is very affordable. For a few dollars a month, you can protect yourself and your property. You may even qualify for discounts, such as an auto/home discount.

In addition, building an insurance history is comparable to building a credit history. When you buy homeowner’s insurance, it may be easier and cheaper if you are a “long-time” insured


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