Renters

When you look at your apartment and its contents as your single largest personal investment, you do not want to take your security for granted.

You can help protect your investment with the right tenants insurance. Fairmont Specialty designed the Fairmont Specialty Homeowners Protection Plan Tenant Policy for people like you who want comprehensive protection.

Renters Insurance for Your Personal Property

Homeowners insurance is not just for people who own homes. As a renter, you need protection for your personal belongings.

A Homeowners Tenants Policy from Crum & Forster provides quality coverage on personal property and liability. When you consider how much you have invested in your personal belongings, it makes sense to protect them from loss.

Broad Coverage against Personal Loss

A Homeowners Tenants Policy will protect your personal property against specific perils including fire, lightning, smoke, and theft.

Special “Percentage of Contents” Coverage for Personal Property

While most of our competitors’ policies limit certain classes of personal property such as jewelry, furs, and silverware with a flat dollar amount, our Homeowners Tenants Policy uses a “percentage of contents” approach to determine the coverage provided for these items. This allows your coverage to increase as the amount of your personal property insurance increases.

Personal Liability Coverage

A Homeowners Tenants Policy also provides comprehensive personal liability coverage, medical payments for others and legal defense costs.

Additional Coverage Features

Loss of Use

Our policy provides up to 20 percent of your personal property coverage limit for the additional living expenses incurred by you when your living area is damaged by an insured loss.

Debris Removal

We will pay reasonable expense for removal of debris up to a specified limit.

Credit Card, Fund Transfer Card, Forgery, and Counterfeit Money

We will pay up to $500 for specific losses.

Loss Assessment

We will pay up to $1,000 for your share of any loss assessment charged against you by a corporation or association of property owners.

Building Additions and Alterations

Provides limit of liability up to 10 percent of the personal property limit of liability, for building improvements or installations made and/or acquired at your expense and used only by you.

Premium Discount

Premium discounts are available for the following:

  • Installation of fire and/or burglar alarm
  • Special security measures
  • Non smoker
  • Senior citizen
  • Higher deductible

Free Identity Theft Services