These are the different general types of coverage available in a Tenants policy:
- Coverage C
- This covers your stuff: appliances, clothing, jewelry, cameras, furnishings, etc. If it's not built-in, this part protects it. If you've got neat specialty items, you can schedule them for additional coverage.
- Coverage D
- This covers living expenses that occur when you can't live in your apartment due to covered damage.
- Coverage E
- This covers legal liability for injury to others for you and your immediate family, as long as they live at the covered address, up to the limits of the policy.
Why it's needed
Trust us. You're not covered by your Landlord's policy.
- Landlords are not responsible for your belongings
- Landlords are usually not obligated to reimburse/replace damaged or stolen items or cover tenants' liability-related lawsuits
- No matter how responsible you are, others in the building may not be. Overflows from sinks and tubs, or fire and smoke can easily cost you money.
- Your Landlord's policy doesn't cover your living expenses if your unit is so damaged you need to move out and look for a new place.
- Your Landlord's policy doesn't cover liability for your actions, or people getting hurt in your unit.
* Product, service, and discount availability and limits vary by state. The information provided on this site is provided for informational purposes only and is not a full explanation of products, services or coverage. For more information, please contact Electric Insurance Company at 800.227.2757. If there are discrepancies between the information on this site and the policy, the terms in the policy apply.