You do need it! When it comes to your clothing, jewelry, furniture, TV, golf clubs and other personal belongings, renting an apartment or house is no different than owning a home. You could still face the cost of repairing or replacing these-items because of fire, theft, wind and other hazards. You could be faced with a major, financial setback if you are not fully protected.

Renter's Policy covers a broad range of losses and disasters including:

• Fire and Lightning
• Weight of Ice, Snow, or Sleet
• Windstorm or Hail
• Explosion
• Smoke Damage
• Theft
• Vandalism
• Water Damage
• Freezing
• Electrical

Optional Coverage:

• Replacement cost on contents. A standard tenants policy pays you the depreciated value for the contents of your home in the event they are damaged, destroyed or stolen. With Replacement Cost protection, you receive the full amount it would cost to replace your possessions should a loss occur.