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The Homesite Standard Renters Product (ISO - HO-04)

Our standard product provides broader coverage for the customer's personal property and the ability to add many optional coverages including scheduling valuable property, special coverages, water back-up, varying deductibles and coverage limits from $36,000 to $100,000. Renters insurance policies are designed to protect your prized possessions, protect you against any personal liability, and provide assistance should your rented home or apartment become damaged or unlivable. Our policies include the following protections:

  • Your personal property starting at $36,000 up to $100,000.
  • Medical expenses (paying up to $1,000* per person if someone is injured on your property).
  • Liability exposures (protecting you against certain risks up to $100,000* per accident for bodily injury or property damage).
  • Our standard Renters product is a "named peril" policy and covers losses from any 17 "named perils." If your property is lost or damaged as a result of one of these perils, your insurance company will compensate you for your loss. The covered perils are as follows:
  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Riot or civil disturbance
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism or malicious mischief
  • Theft
  • Volcanic eruption
  • Falling objects
  • Weight of ice, snow, or sleet
  • Accidental discharge or overflow of water
  • Sudden and accidental tearing apart
  • Freezing
  • Artificially generated electrical charge

*Additional limits for medical payments and liability are available, as wells as optional endorsements for property such as personal computer equipment, business property, jewelry, bicycles, cameras, etc.

Limitations - As with most insurance, our policies have per-category limits for certain items such as jewelry, antiques, and furs. If the value of your property exceeds these limits, you will need have to get an appraisal stating its worth. You can then purchase an additional rider to cover the full value of your property.

Liability coverage - Renters insurance also provides liability coverage. Our renters insurance policy covers you for accidents and injuries that occur in your home, as well as accidents outside of your home that are caused by you or your property. (This does not include automobile accidents.) This liability coverage includes legal defense costs, if you are taken to court over such an accident.

Additional living expenses - If your house or apartment is unlivable as a result of any of the 17 named perils, renters insurance will cover your "additional living expenses." That means that it will pay for you to live somewhere else (usually in a comparable house or apartment) while your home is being repaired. The limit on this type of coverage is 40 percent of the amount of your personal property coverage.

Available Endorsements

Replacement Value Loss Settlement Terms Means replacing Actual Cash Value for Coverage C with replacement cost coverage. Doesn't include rare art, memorabilia, items in poor condition or items obsolete or in storage.

Scheduled Personal Property This coverage provides a set amount of insurance for valuables like jewelry, watches, furs, fine arts, etc. An appraisal from last three years will be required for anything over $2,500 (single item).

Coverage C Higher Limits on Certain Personal Property Increases the overall coverage amounts in areas with a sub-limit of coverage exists.

Computer Coverage Covers hardware and software for any direct physical loss, due to theft, electrical disturbance, magnetic, or erasure. In essence, changes the covered perils from Named to All Risks.

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.




*21st Century is not affiliated with Homesite Insurance. The 21st Century Homeowners Insurance Program is underwritten by member companies of the Homesite Insurance group, a leading provider of homeowners, renters and condominium insurance. Member companies include: Homesite Insurance Company, Homesite Indemnity Company, Homesite Insurance Company of California, Homesite Insurance Company of Florida, Homesite Insurance Company of Illinois, Homesite Insurance Company of the Midwest, Homesite Insurance Company of New York, Homesite Insurance Company of Pennsylvania, and Homesite Lloyd's of Texas.
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