Alfa2Go
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Designed to protect you from financial hardship due to a covered loss while you’re renting a residence, a renters insurance policy may include a set of coverages, which can be customized for your needs.
Personal Property
Covers the cost to repair or replace your personal belongings if they’re stolen, damaged or destroyed by a covered peril.
Example: Your apartment is burglarized and your expensive gaming system is stolen and furniture is damaged in the process. Personal property coverage will pay to repair or replace these items, up to your policy limits.
Loss Of Use
Reimburses the excess cost you incur to temporarily relocate if the place you rent becomes uninhabitable due to a covered loss.
Example: A fire breaks out in the building and your unit is considered unsafe to live in until it’s fumigated. You have to rent a hotel for two weeks, pay to have your dog boarded, and spend money on meals because you don’t have access to a kitchen. The additional funds you spend during this period could be reimbursed up to your policy limits.
Personal Liability
Coverage for the financial hardship, such as a legal suit, that may come from being considered at fault for another person’s bodily injury or property damage.
Example: It’s burger night, but you get distracted at the grill and a fire breaks out. It quickly spreads to your neighbor’s fence leaving it damaged and your negligence is to blame. This coverage would pay, up to the policy limits, for the damage to your neighbor’s property.
Medical Payments
Coverage for a guest’s medical costs if you’re deemed liable for the cause of injury.
Example: You’ve been meaning to fix that wobbly cobblestone walkway for months, Your great aunt comes to visit, takes a tumble, and breaks her ankle. Your liability for her medical bills may be covered, up to your policy limits, under renters medical payments to others coverage.
*This is not an insurance policy. It is intended only to provide a general description of Alfa Insurance and/or its product lines and services. An actual policy contains the specific details of the coverages, conditions and exclusions. All coverages are subject to deductibles and policy limits. Your Alfa® agent can explain the policy and benefits and answer any questions you may have before you buy.
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