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Covers the cost of replacing belongings in your rental unit in case of theft, fire, or water damage.

Provides protection if someone is injured in your rental unit and you are found responsible; it may cover legal fees and medical expenses.

Covers the cost of living elsewhere if your rental unit becomes uninhabitable due to a covered peril.

The amount you pay out-of-pocket for a claim before your insurance coverage kicks in.

Actual Cash Value pays out claims based the depreciated value of items, whereas Replacement Cost Coverage pays the cost of purchasing new replacements.

The maximum amount your insurance company will pay on a claim for each category of coverage.

Certain events or items that are not covered by your policy, such as natural disasters or high-value art.

Part of ALE coverage, it compensates you if you cannot use your rental unit due to a covered peril, similar to ALE.

Additional coverage options for valuable items not fully covered under standard renters insurance, such as jewelry or electronics.