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Tenants Policy Coverage

For more information, please contact one of our agents.

Coverages Standard Form Plus Form
Personal Property "Named Perils" Coverage Direct Physical Loss or Damage
Personal Property - Off Premises 10% of Personal Property Limit 10% of Personal Property Limit
Additional Living Expenses 20% of Personal Property 20% of Personal Property
Personal Libability Available limits start at $1,000,000 Available limits start at $1,000,000
Voluntary Medical Payments $5,000 $5,000
Voluntary Property Damage $2,000 $2,000
Special Limits
Jewellery, Watches, Gems, Furs $3,000 $6,000
Coin & Bank Note Collection $300 $500
Sports Cards & Memorabilia, Comic Books $1,500 $2,000
Stamp Collections $1,500 $2,000
Silverware, Goldware, etc. $10,000 $10,000
Business Books, Tools & Instruments $3,000 (on premesis only) $5,000
Securities, Deeds, Manuscripts, etc. $3,000 $5,000
Money, Bullion or Cash Cards $300 $500
Lawn & Garden Tractors, Golf Carts $15,000 $15,000
Watercraft & Equipment $1,000 $3,000
Computer Software $1,000 $3,000 (Includes Digital Assets)
Antiques Depreciated Value Depreciated Value
Motorized Vehicle Parts (not yet installed) $3,000 $3,000
Bicycles & Related Equipment $1,000 per item $2,000 per item
Utility Trailers $1,000 $1,000
Personal Transporters $3,500 per item $3,500 per item
Additional Coverages
Damage to Your Unit from Theft, Attempted Theft or Interior Vandalism Up to $500 Up to $500
Lawns, Outdoor Trees, Shrubs & Plants 5% of Personal Property Limit (Maximum of $500 per item) 5% of Personal Property Limit (Maximum of $1,000 per item)
Pollution Damage to Insured Premises $5,000 $5,000
Credit/Debit Cards, Counterfeit Money, etc. $5,000 (No deductible) $5,000 (No deductible)
Freezer Contents $1,000 (No deductible) $3,000 (No deductible)
Inflation Protection Not Covered Included
Safety Deposit Box Not Covered $10,000
Lock Replacement (if keys are stolen) Not Covered $500 (No deductible)
Fire Department Charges $1,000 (No deductible) $3,000 (No deductible)
Arson or Theft Conviction Reward $1,000 (No deductible) $1,000 (No deductible)
Emergency Services Forced Entry Not Covered $5,000 (No deductible)
Identity Fraud Not Covered $10,000
Power Fluctuation $5,000 $10,000
Student Property (Away From Home) $5,000 per student $10,000 per student
Sewer, Septic, Drain or Sump Backup* Optional Coverage $25,000
Tombstones, Headstones & Monuments Optional Coverage Optional Coverage

*Subject to underwriting approval. May be available for purchase for Standard Form or higher limits may be available for an additional premium on Plus Form. Note: this coverage may be deleted or the limits may be reduced after a claim.

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