Renter’s insurance provides coverage both for the insured’s belongings and for liability that may result from an accident in the insured’s home.
Many policies cover replacement cost, meaning that the insured will receive the money necessary to purchase a new item that is equivalent to the damaged one instead of a portion of that cost adjusted for depreciation.
Almost every company offering homeowners policies also offer non-owner-occupied, or renter’s policies. The risks and coverage’s are different when a home is not owner-occupied. Coverage’s and conditions will also be different because risks of loss are generally greater, for example, your renter will not be as interested as you in protecting the structure against loss or damage.
• Business Owners Policies B.O.P.
• Liability Insurance
• Commercial Auto Insurance
• Workers Compensation
• Group Health Insurance
• Disability Insurance
• Farm and Ranch Insurance
• Professional Liability (Malpractice and E & O)
• Key Man Insurance
• Bonds (Surety, Fidelity)
• Crime Insurance
• Business Interruption