Personal Property - Provides protection against covered loss to movable property like a stereo, bicycle, furniture or clothing. Most Homeowners, Condominium, Mobilehome or Renters Insurance Policies set aside special coverage limits for movable personal property, or categories of personal property, like jewelry, money and securities. You can increase the coverage limits for these and other possessions by selecting an Optional Coverage Endorsement to your Homeowners, Condominium, Mobilehome or Renters Insurance Policy.

Family Liability Protection - Provides protection for insured persons who become legally obligated to pay for covered accidental bodily injury or property damage to others. This protection does not cover auto liability claims.

Guest Medical Protection - Provides protection for your guests, who are accidentally injured on your property as a result of a covered loss. This protection pays for the reasonable and necessary medical expenses they incur, regardless of who was at fault.

Additional Living Expenses - We'll pay the reasonable increase in living expenses necessary to maintain your normal standard of living when a direct physical loss we cover makes your residence premises uninhabitable for up to the amount of time specified in the policy. This may include payments for the additional costs of a place to stay, food and other increased living expenses. 

Replacement Cost Coverage - In the event of a covered loss, you may be reimbursed for the cost you incur to replace many of your damaged contents with similar property, brand new. The total amount you'd be reimbursed is subject to the terms and conditions of your particular policy, including applicable deductible and coverage limits.

Scheduled Personal Property Coverage with increased protection for your personal property including, but not limited to: jewelry, watches, furs, stamp and coin collections, fine arts, cameras, personal computers and sports equipment…