Even if you just rent your home it’s important that you have the protection of insurance. Your personal property and you and your family’s health need to be secure even when somebody else owns the structure in which you live.

Your Personal Property
Most coverages will protect your personal property in the event of:

• Fire and Lightning
• Windstorm and Hail
• Explosion
• Riot and Civil Commotion
• Aircraft
• Vehicles
• Smoke
• Vandalism and Malicious Mischief
• Theft at Residence
• Falling Objects
• Weight of Ice and Snow
• Glass Breakage
• Accidental Overflow of Water from Plumbing
• Accidental Electrical Damage to Appliances

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Other Important Coverages
In addition to your personal belongings, Renter’s insurance may cover these additional situations:

• Loss of use -- If a covered loss requires you to leave the residence premises, any required increase in living expenses may be covered. This coverage would be limited to a specific percentage of the coverage you purchase.
• Credit card, counterfeit money and forgery coverage -- May pay for theft or unauthorized use up to a specified limit.
• Building additions/alterations coverage -- May pay a percentage of the personal property limit to protect your home improvements.
• Insured personal property in a building at the residence premises may be covered for loss due to temperature change resulting from power interruption. There must be damage to the residence premises caused by a covered peril.

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High-Valued Personal Property
High-valued personal property contained in your home should be covered as well. Some examples of specific property that The Parsons Agency may cover are:*

• Jewelry, Watches and Furs
• Guns
• Tools
• Cameras, Camcorders
• Silverware, Goldware, Pewterware
• Securities, Deeds
• Watercraft, Trailers, Equipment and Motors
• Money, Coins, Gold
• Computers
• Business Property on Premises

*Specific limits on Coverage for high-valued personal property may apply.

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Coverage to Protect You
Personal Liability and Medical Payments to Others coverage may provide protection against injury to others or destruction of others' property, including medical expenses, ambulance charges, hospital expenses and cost of a registered nurse.

• Personal Liability coverage may protect you and your spouse or any relatives living with you and anyone under age 21 in your care.
• May protect against claims you're legally obligated to pay - bodily injury, sickness, disease and death of others.
• May protect boats you may own or in your care.*

*Depending on the type, size and horsepower a separate policy may be needed.
• May pay cost of defending claim against you (see policy).
• Damage to property of others.
• First aid expenses of others.
• Accidental death benefits.

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