Understanding the Components of a Renters Insurance Policy

At Homesite Insurance we strive to bring you policies that provide the coverage you need, so you have peace of mind so that you have protection when you need it most. No one expects to have a loss, allow us to help ensure you are better prepared for the unexpected.

This renter’s insurance policy is designed to provide peace of mind to you the tenant. By providing coverage for personal property to the amount of the insured’s choosing from $15,000 to $100,000. So whether you are just starting out or are well established, we have your needs covered.

Insured’s are responsible to purchase sufficient coverage to enable full recovery in the case of a complete loss. All claims for personal property are subject to the deductible that you choose at the time of purchasing your policy. In order to help meet your individual insurance needs, there are several deductible options available from $250 to $2500.

Medical expenses coverage is an amount of your choosing, with coverage amounts available of $1,000, $3,000 or $5,000 that will be indicated in your policy, this coverage can provide assistance if someone is injured on your property and you pay for their medical assistance.

This policy provides personal liability coverage as well, up to the specified amount of your choosing $100,000, $300,000 or $500,000; your chosen amount will be reflected on your policy. Liability coverage may respond in the case a named insured is found negligent in a court of law.

Coverage is available in many different dwelling building types from houses to apartments. Our coverage is meant to give you peace of mind that your personal interests are full protected. In your policy there is also coverage provided if there is a loss and you’re dwelling is deemed uninhabitable, for additional living expenses beyond your normal cost to live. Please see the limits and conditions portion of this policy for further information.

This renter’s insurance policy is a named perils policy; this means that if the loss to your property is caused by a peril named in the policy there is reimbursement available to compensate your loss.

Optional coverage’s are available for replacement cost and earthquake.

Perils that this policy provide protection against are as follows

Fire or Lightning

Windstorm or Hail


Riot or Civil Commotion




Vandalism or Malicious Mischief


Mysterious Disappearance


Falling Objects

Weight of Ice, Snow, or Sleet

Sudden and Accidental Tearing Apart, Cracking, or Bulging


Sudden and Accidental Damage from Artificially Generated Electrical Current

Volcanic Eruption

Note that if a peril is not named, it is not covered in this policy, additional coverage may be available. Please contact us to receive further information.

For full coverage information please see the policy wordings for your coverage, or contact one of our friendly, knowledgeable representatives.

Thank you for your interest in Homesite tenant insurance, we look forward to meeting your insurance needs.