Available Coverages - Renters

Renter's insurance policies are designed to protect your prized possessions, protect against any personal liability, and provide assistance if an apartment or home is damaged due to a loss.

The 21st Century Homeowners Insurance Program offers two different Renters Insurance products. Our standard product is based on the ISO HO-04 and provides broader coverage for the customer's personal property. Our Homesite Renters Express® (Renters Express) product is designed for customers who resides in an apartment complexes and are looking for basic coverage. It is important to note that the Renters Express product does not provide the same coverages as the HO-04 and is a named peril policy.

Policy Comparison   Standard Renters Renters Express Coverages Available Coverage C (Personal Property) $36k- $100K $15k, $25k, $35k Available Deductibles $250-$2500 $250, $500 Available Liability Limits 100k,300K,500k $25k, $100k, $300k Medical Payments 1k,$3K,$5k $1k Replacement Cost Optional Included Earthquake Optional Not Covered Section 1 - Perils Insured Against Fire or Lightning Y Y Windstorm or Hail Y Y Explosion Y N Riot or Civil Commotion Y N Aircraft Y N Vehicles Y N Smoke Y N Vandalism or Malicious Mischief Y N Theft Y Optional Mysterious Disappearance Y N Burglary Y Y Falling Objects Y N Weight of ice, snow or sleet Y N Accidental Discharge or overflow of water or steam Y Y Sudden and accidental tearing apart, cracking, or bulging Y N Freezing Y Y Sudden and accidental damage from artificially generated electrical current Y N Volcanic eruption Y N Additional Coverages Debris removal Y N Reasonable repairs Y Y Trees, shrubs and other plants Y N Fire department service charge Y N Property Removed Y N Credit card, fund transfer, forgery and counterfeit money Y N Loss assessment Y N Collapse Y N Glass or Safety glazing material Y N Building additions and alterations Y N Section 1 Coverages PP away from Residence Premises Policy Limits Policy Limits PP usually located away from residence premises 10% of C or $1K Not Covered Special limits of liability Money, Bank notes etc. $200 $250 Securities, Accts, deeds $1,000 Policy limits Watercraft, trailers, accessories $1,000 Not Covered Non watercraft trailers $1,000 Not Covered Theft Jewelry,watches,furs $1,000 $1,500 Theft of firearms $2,000 $1,500 Theft of silverware $2,500 $1,500 Stamps, Coins, Sports cards & Memorabilia Policy limits $1,500 Business prop. Res. Prem $2,500 Policy limits Bus. Prop away Res. Prem $250 Policy limits Electronic Apparatus in vehicle $1,000 $1,500 Elec Apart Not In vehicle $1,000 Policy limits Pers. Prop. in a vehicle 10% of C or 1K $1,500 Section 1 - Exclusions Earth Movement Not Covered Not Covered Water Damage (Flood & Backup) Not Covered Not Covered Power Failure Not Covered Not Covered Neglect Not Covered Not Covered War Not Covered Not Covered Nuclear hazard Not Covered Not Covered Intentional loss Not Covered Not Covered Theft Not Covered Not Covered Property not covered Articles separately described and specifically insured in this or other insurance Not Covered Not Covered Animals, birds or fish Not Covered Not Covered Motor vehicles Not Covered Not Covered Aircraft and parts Not Covered Not Covered Property of roomers, boarders, tenants Not Covered Not Covered Property in an apartment regularly rented Not Covered Not Covered Business data Not Covered Not Covered Credit cards or fund transfer cards Not Covered Not Covered Section II - Liability Coverages Personal Liability Covered Covered Medical Payments to Others Covered Covered Section II - Liability Exclusions Intentional Acts Not Covered Not Covered Business activities Not Covered Not Covered Rental Units Not Covered Not Covered Professional Services Not Covered Not Covered Premises which are not an "insured location" Not Covered Not Covered Vehicles/land conveyances Not Covered Not Covered Watercraft Not Covered Not Covered Aircraft Not Covered Not Covered War Not Covered Not Covered Transfer of Disease Not Covered Not Covered

All coverage is subject to approval and qualification. Coverage information is intended to be a summary and does not supplement or replace specific language of the insurance contract.