Renters insurance covers your possessions against damage for things such as fire, smoke,
lightning, vandalism, theft and water damage—but not flooding—to name a few. It also
extends beyond on premise theft and hazards, covering property that is stolen from your
car, or lost or damaged anywhere you happen to be.
There are two personal property coverage options to choose from: replacement cost value or
actual cash value. We recommend insuring your personal property for its replacement cost value
so that you can replace yesterday’s purchases at today’s prices.