Property Protection Okay, this one's easy. This kind of protection usually covers when you bang into somebody else's property. Say, if you hit a parked car or drive through a fence. It really comes in handy when you've got to pay for something that's not yours.
Bodily Injury Here's how this works. If you cause an accident and somebody else gets hurt, you might have to pay their medical bills. Or, get this, reimburse them for their lost wages. And hey, paying someone else's bills or salary could put a serious strain on your budget. Anyway, that's why you have Bodily Injury Liability coverage. It helps protect your money.
Property Damage One fact of driving is, when there's an accident, there's probably going to be damage. If you're responsible, Property Damage Liability coverage typically pays for damage to the other driver's car and other property. It really comes in handy when you've got to pay for something that's not yours.
Uninsured Motorist Most states require insurance. But still there are individuals out there who like to "live on the edge" and drive without it. My advice - steer clear. If they run into you and hurt you or somebody in your car, they might not have their own liability insurance. So...where's the money for your medical expenses going to come from? Or what about lost wages? That's where this coverage usually comes into play.
Your home is a big investment. Protecting that investment doesn't have to be a big challenge. Property insurance is a smart, convenient way to help take care of the place that provides shelter and peace of mind.
Insuring Your Home's Structure Learn about setting the right deductible and getting coverage should you need to pay for rebuilding your home. The price you paid for your home is probably not the amount you will choose to insure it.
Insuring Your Personal Property You've made a significant investment in your possessions, and they need to be protected. Read about category limits and per item limits that could affect the amount you generally are paid for covered lost or damaged personal items.
Liability Insurance If someone accuses you of causing harm, it helps to have support in defending yourself. Discover how liability insurance can help protect your savings in the event of a lawsuit resulting from a covered loss.
Guest Medical Insurance Find out how your insurance can help pay for medical costs (up to policy limits) when someone is injured in a covered loss at your home.
Flood Insurance* Knowing the difference between protection from a flood and a covered water loss is essential. Get the facts about the Federal Government's National Flood Insurance Program and insurance options for other water damage.
Renters Insurance Protects Your Possessions and Helps With Living Expenses Pipes burst, a spark ignites a blaze, thieves find the unlocked door. Sometimes stuff just happens. That’s why renters need to take a hard look at the big what-ifs. What if your possessions are ruined or stolen? What if you’re forced to find a new apartment?
Even if you’re only “on the road” for a couple weeks, you can still end up shelling out thousands of dollars. It’s even worse if you end up on the hook for a new security deposit and first month’s rent. Can you really afford that out of pocket? For most of us, the answer’s no. That’s why a renters insurance policy makes so much sense, especially when relocation and replacement protection starts at about $17 a month.