Misfortune can strike anyone - anywhere. If there were a fire, would you be able to replace your furniture, clothing , and belongings.....?
And who would take care of your extra living expenses (such as hotel accommodations) if a fire forced you and your family to move into temporary quarters:
Who would guard you against liability claims if a visitor were accidentally hurt in your home, or if a family member caused damage to someone else's property? And who would provide medical payments for injury to others even if you're not at fault?
Protect yourself against these and a wide range of other perils with Renters Insurance from Community Insurance, an affordable package of protection specially designed to fill your needs.
Your Personal Property is covered against loss due to fire, theft, lightning, windstorm, hail, explosion, smoke, vandalism, and long list of other hazards.
The Additional Living Expenses (for example, hotel or motel bills and the extra cost of dining out) you incur when forced to move into temporary quarters because of building damage are covered for an additional 20% of your personal property coverage.
Liability Suit Claims are paid if you're legally liable for accidental death or injuries of others on your premises, or by the actions of family members or pets. Even if you're not legally liable, the legal costs of your defense are covered.
Payments for Medical Care of persons accidentally injured in your home, or by any family member or pet, regardless of liability.
Physical Damage to Property of Others, if you or a family member accidentally cause the damage, is covered to a maximum of $250 regardless of legal liability.
*Keep an inventory of your personal property. room by room, noting the original cost and date of purchases, where known. This will be extremely useful should you have to file a claim.
*Take a photographic inventory of your rooms' contents, This visual reminder of your possessions has many uses...as a detailed record of insurance claims, or for the recovery of stolen items.
* Your valuable items (such as jewelry, stamp or coin collections, artwork, and antiques) should be appraised by certified dealers. Keep the record of appraisal in a safe place off the premises, such as in a bank safe deposit box. A certified appraisal is your best proof of actual value.
*When you're away from home for any length of time, take steps to make your home look occupied so as to discourage burglars. Leave a light on, shades partially open, and have a friend or neighbor remove newspapers from your doorstep. In snowy climates, arrange to have your walks shoveled if it snows while you're away.
Community Insurance Center, Inc.
526 East 87th Street - Chicago, IL 60619
(773) 651-6200 Fax: (773) 651-8264
E-mail: sales@communityins.com