Landlords Package Insurance Coverages

This is not a complete list of policy coverages. Consult the policy for all coverages, exclusions, and provisions.

Coverage A: Residence

Covers your residence including additions and built-in appliances.

Coverage B: Related Private Structures on the Premises

Coverage for structures on the insured premises that are not attached to your residence such as garages, storage sheds, fences, driveways, pools, and sidewalks. (Non-farm use only)

Coverage C: Personal Property

This is where your contents are covered. You may apply this coverage to personal property owned by you anywhere in the world, subject to possible limitations.

Coverage D: Additional Living Expense and Loss of Rent Coverage

Pays any necessary and reasonable increase in living expenses you may incur if all or a portion of you residence is unfit for occupancy because of an insured loss. Motels and transportation costs are examples of additional living expense. Also pays if you sustain loss of rents from a part of your residence rented to others.

Coverage L: Personal Liability

Covers you if someone is injured due to your negligence or an insured’s negligence. Personal Liability is worldwide coverage.

Coverage M: Medical Payments

If an incident occurs at your residence, this coverage will pay for incidental medical expenses up to the Medical Payment limit.