Did You Know?

• Your apartment community's or landlord's insurance policy does not cover your personal belongings when they are damaged or stolen.
• You may be liable for damage done to the apartment building or house as a result of a fire due to your negligence.
• If someone is hurt while on the property you rent, you may be legally responsible for that person's medical expenses.

Renters Insurance Offers

• protection for your personal property against fire, certain natural disasters, theft, and vandalism
• reasonable premiums
• personal liability protection for injury to another person or for damage to another person's property if an incident occurs within your rented residence or elsewhere
• flexible coverage and insurance amounts that suit your needs
• quality service from an A rated provider (N/A in TX)

Renters Insurance can even cover your personal possessions that don't happen to be in the apartment or house at the time of the loss.

Personal Property Coverage, Available up to $50,000

Personal Liability Coverage, Available up to $300,000

Replacement Cost Coverage
Make sure you are fully reimbursed for your personal property and belongings when they are stolen or damaged.

Use our to determine what your belongings are worth.

New Optional Benefit
Helps Pay Your Rent if You Lose Your Job

Take advantage of Renters Involuntary Unemployment Insurance. This optional coverage offers protection when the insured becomes unemployed due to individual or mass layoff, termination by an employer, general strike, unionized labor dispute, or lockouts.*

Features include:

• monthly benefits to be applied to your rent payment
• benefits available for 2 months
• benefits paid directly to the landlord to apply to rent on your behalf
• 

* Coverage for first named insured only. This optional coverage may not be available in all states.

Payment Plans are Available!

Choose to pay your premium in one annual payment or spread your premium over 4 payments. You may also choose our monthly payment plan which bills in 8 installments.

Think About This: All your clothes, your PC, your TV, stereo, bike, and furniture are destroyed in a fire. Could you replace them, immediately, out of pocket? If you said no, you need Renters Insurance.

Renters Insurance protects you from the costs of replacing your personal belongings when they are damaged, stolen, or vandalized.

You may be surprised that Renters Insurance from the Assurant Specialty Property companies is reasonable. Based on a national average, premiums can be $160 a year.* It's definitely cheaper than replacing all your possessions. Convenient payment plans are available.

Plus Renters Insurance can even cover you for personal possessions that don't happen to be in the apartment or house at the time of the loss.

Don't wish for Renters Insurance until the worst possible time, like after a disaster or a robbery. The reasonable premiums are worth covering all of your belongings.

* Cost is based on $10,000 property coverage, $50,000 Personal liability coverage, $250 deductible and replacement cost. Rates and deductibles vary per state. Please use Instant Quote button for an approximate premium.

Are you getting everything you can from your Renters Insurance?
Are you protected with all the important coverage you need?

All insurance policies are not alike. It's very important that you compare policies before buying.

When you are shopping for Renters Insurance, ask yourself these questions:

• How long have the insurance providers been in business?
• What is their knowledge and experience?
• Can I rely on them when a catastrophe, theft, or vandalism occurs?
• Do they have an A rating from A.M. Best?

American Bankers Insurance Company of Florida (Home office in Miami, Florida) and American Security Insurance Company are Assurant Specialty Property companies, which is part of Assurant, Inc., a premier provider of specialized insurance products and related services in North America and selected other markets. Assurant Inc. has in excess of $24 billion in assets and $8 billion in annual revenue.

We're a solid company with a focus on friendly, professional service.

The Assurant Specialty Property companies are consistently given excellent ratings by the A.M. Best Company, an independent organization that rates insurance companies, based on financial strength and operating performance. A.M. Best Company ratings range from A++ to F. The A.M. Best Company neither endorses nor is affiliated with American Bankers Insurance Company of Florida or American Security Insurance Company.

Our companies have been in business collectively for more than 60 years, and we are always dedicated to ensuring your peace of mind and security while providing friendly, professional service.

What good is your coverage if you don't get fast, fair service on your claims? When you purchase Renters Insurance from us, you are protecting yourself with our dedication, experience, knowledge, and reliability.

With our Renters Insurance, you can expect:

• quality insurance protection at competitive rates
• friendly, professional service
• fast and accurate responses to questions and claims
• convenient payment plans

Myth #1: Renters Insurance is too expensive.

Truth: For $160 a year, based on a national average,* our policy can provide reasonable protection of your personal property plus it can protect you in case of a liability lawsuit. Convenient payment plans are available.

Myth #2: The landlord's insurance covers me.

Truth: Your landlord's insurance generally only covers the building where you live, not your personal belongings or your personal liability.

Myth #3: I don't need personal liability insurance.

Truth: You could be held responsible for injury to another person or damage to another person's property when an incident occurs within your rented residence or elsewhere. Without personal liability coverage, your current and future earnings could be at risk. Renters Insurance also may provide legal defense costs.

Myth #4: I don't own very much.

Truth: Most people's belongings are often worth more than they think. If all your belongings (clothes, electronics, furniture, etc.) were damaged or destroyed, could you replace them out of pocket?

Use our to determine what your belongings are worth.

* Cost is based on $10,000 property coverage, $50,000 Personal liability coverage, $250 deductible and replacement cost. Rates and deductibles vary per state. Please use Instant Quote button for an approximate premium.

What We Cover

What if you were robbed or experienced a fire? Your laptop, books, electronics, collectibles and other items may all be gone.

And you are on your own to replace them. Can your budget afford that?

Renters Insurance probably covers more than you think. Your PC, your MP3 player, your bicycle, your PDA, and much more. It's definitely cheaper than replacing all your possessions.

Stolen or damaged, these are covered by Renters Insurance:

• your PC
• your wallet or purse and the cash in it (special limit applies on loss of money)
• your bicycle or scooter
• your stereo or TV
• your cell phone or palm pilot
• your books or supplies
• your clothes
• your jewelry (special limit applies for this item)
• your musical instruments
• and much more

Policies vary, but Renters Insurance covers direct physical loss to your personal property when damaged by the following:

• fire
• lightning
• windstorm or hail
• explosion
• smoke
• vandalism
• theft
• falling objects
• weight of ice, snow, or sleet
• accidental water overflow
• accidental burning of certain appliances
• accidental damage from artificially generated electrical current
• and more

Renters Insurance makes sense. Use our to determine what your belongings are worth.

Still Not Sure You Need Renters Insurance?

Consider this fact: In 2006, there were an estimated 6.6 million larceny theft offenses nationwide.*

* www.fbi.gov/ucr/cius2006/offenses/property_crime/larceny-theft.html

Imagine the unimaginable. Fire, theft, or hurricane. A grease fire results in several thousand dollars of damage. A guest is injured in your apartment.

These calamities can be expensive for you. What would it cost you to replace ALL your belongings?

Most renters overlook or underestimate their insurance needs. Even the smallest apartment can easily contain personal belongings worth thousands of dollars.

Count the obvious items, like your PC, your stereo, your instruments, and then the less obvious things, like clothing and collectibles, and the potential loss quickly adds up. If faced with such a loss, would you know where to turn or whether your loss would be covered?

With Renters Insurance, you can replace what's damaged or stolen. Renters Insurance covers your possessions against losses from certain disasters (except flooding), vandalism, theft, and more.

Renters Insurance also covers your responsibility to other people unintentionally injured at your home or elsewhere by you or your pet, and it pays legal defense costs if you are taken to court.

Don't realize the importance of Renters Insurance until it is too late. The reasonable premium is well worth the peace of mind.

Is Renters Insurance too expensive? Coverage is typically available for $160 a year, based on a national average, with a deductible of $250.** Convenient payment plans are available.

Use our to determine what your belongings are worth.

** Cost is based on $10,000 property coverage, $50,000 Personal liability coverage, $250 deductible and replacement cost. Rates and deductibles vary per state. Please use Instant
Quote button for an approximate premium.