If you’re a landlord, you have special insurance needs – whether you rent out space in your home or a separate building. You need adequate coverage to protect your property, including the dwelling, hallway fixtures, and other items. But you also need liability coverage in case a tenant or someone visiting your property is harmed and you are found responsible.

Your insurance policy may not cover loss or damage caused by your tenant. So it’s extremely important to properly screen prospective tenants. Your policy, however, will cover a sudden and unexpected loss due to a named peril, such as a fire. Where there is damage throughout the house caused by a tenant, the policy deductible will apply with each claim.

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• $1,000 per bicycle (including equipment and accessories)
• $6,000 total for jewelry, watches, gems, furs and fur garments ($3,000 per item)
• $3,000 total for tools, books, instruments, computers and software pertaining to a business
• $2,000 total for watercraft, their trailers, equipment and accessories ($1,000 for Broad)
• $3,000 total for collector cards and comic books
• $3,000 total for manuscripts, stamps and stamp collections
• $3,000 total for coin collections
• $15,000 total for goldware, silverware and pewterware
• $7,000 total for securities (extra coverage not available)
• $500 total for money and bullion (extra coverage not available)
• $6,000 total for garden-type tractors

* All claims are subject to a policy deductible.

You should consider additional coverage if you need more than the amounts listed above.

Limits may vary depending on policy type. See your agent for details.

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With our Comprehensive coverage, you get everything in our Broad policy and more. Things like paint spilling on the carpet need not be a worry. It’s the best way to protect your home against almost any loss.

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• Extended Water Coverage
• Replacement cost guarantee on your building (if not included in your policy)
• Replacement cost endorsement on personal property (if not included in your policy)
• Earthquake damage

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With the Replacement Cost Endorsement (available with some of our policies) your personal property is insured for replacement cost at today’s prices, not its depreciated value.

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Our policies also include Liability Coverage, including legal liability, voluntary medical payments and voluntary payment for damage to property of others.

For more information, please talk to your Co-operators agent.

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