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Frequently Asked Questions

Why do I need Tenant Insurance

If your home becomes uninhabitable for reasons covered in your tenant insurance policy, the insurance company will reimburse you for your temporary living expenses until you are able to find a new place to live. Tenant insurance is there to protect the belongings in your home and so much more. • Things add up fast! Your electronics, appliances, clothes and even food are all large expenses that can be protected under your policy.

Doesn't My Landlord's Insurance Cover Damage To My Belongings?

Typically, a landlord’s insurance policy only covers the physical building, not anything that’s within your walls or another tenant’s.

What Coverage Do You Have For Off-Road Vehicles?

Designed for off-road riders, our comprehensive policy provides annual Physical Damage and Liability coverage with optional Accident Benefits and Search and Rescue Expenses available. Our “Agreed Value” policy means total losses are settled at the limit of insurance, while partial losses are settled at the actual cost of repair for your off-road vehicle. FEATURES OF OFF-ROAD VEHICLE PROGRAM •• Annual Policy •• Two Physical Damage Options: All Risk/All Perils or Specified Perils/Comprehensive •• “Agreed Value”, of your ORV based on current market value •• $1,000,000 or $2,000,000 Liability coverage options (available stand-alone, or with Physical Damage coverage) •• Optional Accident Benefits and Search & Rescue Expense Additional Extensions: • Trailers & Decks • Riding Gear • Safety / Maintenance Equipment • Lock Re-keying or Re-coding • Travel Protection / Loss of Use • Reward Coverage • Liberalization Clause

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