Frederick Mutual offers coverage to protect your personal property from loss by fire, lightning, windstorm, theft and other named perils, as well as, providing you with the additional security of personal liability coverage.

Your Landlord’s Policy

While your landlord’s insurance policy will protect his interest in the dwelling and his liability exposure, it does not cover your personal belongings or provide you with liability coverage.

The HO-4 Content Broad form policy designed for renters insures your personal property for direct physical loss on a “named perils” basis. One of the benefits of Renters Insurance is that it provides for additional living expenses in the event that residence is uninhabitable until repairs are complete.

Many optional endorsements – such as personal property replacement, water backup of sewers and drains, and personal injury – are available so you can customize a policy to suit your specific needs.

Determining the Value of Your Possessions

For assistance preparing an inventory of your belongings, visit the Insurance Information Institute’s Know Your Stuff website for more information and to download free software.