Think your belongings are insured by your landlord's coverage? Think again.

Renters' insurance is often overlooked by tenants because the automatic reaction is: "If something happens to my apartment, I'm covered as long as my landlord has insurance." Not exactly! Truth is, your landlord's insurance covers damage only to the building itself. If your personal belongings-such as your computer, TV, stereo, cameras, jewelry or even clothes-were stolen, you would be responsible for replacing them. Plus, if someone were to have an accident in your home, you could be liable for their injuries. You also need to think about where you would stay if a tragedy such as a fire forced you from your home. Who would pay for it? The good news is that an Alfa Renters' policy can meet these needs and more. Not only does Alfa cover personal liability, medical payments, the cost of defending lawsuits and theft on or off premises, but it also covers damage from such perils as:

• Fire or smoke
• Lightning
• Windstorm or hail
• Explosion
• Vandalism or malicious mischief
• Freezing of plumbing system

Alfa also pays for expenses (hotel, restaurant, etc.) incurred while your home is uninhabitable due to damage from an insured peril (up to policy limits). Certain valuables may qualify for a specific level of coverage. Optional coverages may provide important protection for:

• Special valuables
• Increased residence premises liability limits
• Additional premises liability
• Satellite dishes and related equipment

Your agent can also explain to you how ultrasonic burglar alarms, smoke alarms, deadbolt locks and fire extinguishers can provide you with discounts to your premium. Also, if your policy has been in force for at least three years, you may qualify for a Continuous Service Discount*.

*May not be available in all states.