Affordable
Insurance for you and your personal possessions
In all likelihood,
your landlord has insurance on the building you
call home. It protects your landlord against liability
claims and covers the building, as well as personal
possessions the landlord may have on the property.
But it
doesn't cover you against liability claims. And
it doesn't protect your possessions.
Is Renters
Insurance right for you?
Do you own clothing,stereo
equipment, cameras, a computer, jewelry, a bicycle,
a television, artwork, furniture, antiques, coin
collections, or other valuable items?
If a fire damaged
or destroyed the building, who would help pay
for the loss of your personal possessions? Who
would take care of your extra living expenses
if you had to move into temporary quarters such
as a hotel?
And what about
personal liability? If your guest is accidentally
hurt or if a family member hurts a guest or damages
property, it could result in a lawsuit.
American Business
Insurance has affordable package of protection
specially designed to answer all of these questions.
Here's
how American Business Insurance can help protect
you.
Our companies Renters
Insurance policy protects your personal property
against loss due to fire, theft, lightning, windstorm,
hail, explosion, smoke, vandalism, and a long
list of other hazards.
If your looking
for broader protection for your personal property,
you may want to consider our Special Personal
Property Coverage endorsement. For a nominal additional
premium, you canget coverage for all perils except
for those specifically excluded.
You'll also protect
your investment in builit-in improvements, such
as bookshelves or new wall paper, for up to 10%
of the policy amount. For example, if your policy
includes $15,000 in personal property coverage,
your improvements are covered up to $1,500.
If you have to
move into temporary quarters because of damage
to your building, your additional living expenses,
sucha as hotel or motel charges and the cost of
dining out, are covered forup to an additiona
20% of your personal property coverage.
If you are legally
liable for accidental death or injury to others
on your premises, or for the actions of family
members or pets, your policy would cover these
liability claims. Even if your not legally liable,
the leage costs of your defense are covered.
If a person is
accidentally injured in your home, or by a family
member or pet, medical care payments are covered,
regardless of liablity.
Some
availabe optional coverages.
Personal
Property Replacement Cost - protects
most personal property for replacement cost instead
of replacement cost minus depreciation.
Waterbed
Liability - provides coverage for damage
caused to the premises you occupy due to the ownership
of a waterbed.
Scheduled
Personal Property - specific coverage
for jewelry, fine arts, furs,and other valuables.
Identity
Fraud Expense Coverage - provides $15,000
of coverage to pay for expenses incurred by an
insured as a direct result of any one identity
fraud.
Personal
Injury - covers your liability for a
personal injury to others, such as false arrest,
libel, or invasion of privacy.
Earthquake
Coverage - protects your personal property
from earthquake damage subject to a deductible
Water Back-up
of Sewers or Drains - provides coverage
caused by water which backs up through sewer or
drains subject to endorsement limits.
Here
are ways to save!
Limited
Access Credit - If the rental property
where you live has a 24 hour security staff, you
may qualify for up to a 10% credit.
Protective
Devices Credit - Credits for security
devices such as smoke alarms, burglary alarms,
sprinklers and deadbolt locks can save you as
much as 20%
Mature
Renters Credit - You don't have to be
retired to get a discount on your renters insurance
premiums. Mature renters save even more, regardless
of employment status.
Account
Credit - If you insure your cars with
American Business Insurance, you can save up to
10% on renters insurance.
Click
Here for a Quote
Check
out these other valuable personal coverages that
we offer!
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