Residential Insurance Home-Renters

State of California Department of Insurance 9 Coverage C — Personal Property This coverage provides protection for the contents of your home and other personal belongings owned by you and other family members who live with you. Coverage C is normally 50% of coverage A or is subject to an established amount agreed upon by you and the insurance company. Coverage is limited on certain types of property that are especially susceptible to loss, such as: • Jewelry • Antiques • Furs • Collectibles • Fine arts • Firearms • Silverware • Money Additional amounts of insurance may be purchased. You may want to consider scheduling these items separately. Ask your agent for specifics. Coverage D — Loss of Use This coverage will help with additional living expenses if your home is damaged by a peril insured against to the extent that you cannot live in your home. These expenses include, but are not limited to, housing, meals and warehouse storage. Coverage D is normally limited to 20 percent of Coverage A. In the event of a loss it is important that you keep receipts for all additional living expenses and submit them to your company for reimbursement consideration. Coverage E — Personal Liability This section of the homeowners policy will provide coverage in the event you or a resident of your household are legally responsible for injury to others. Coverage E normally provides a defense and will pay damages, as the insurance company deems appropriate. There are some exceptions. The liability coverage will not protect you in all situations, such as an intentional act. All of the exclusions and specific language can be found in your policy.