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Service animal is defined as guide dogs, signal dogs, or any other service animals that are trained to do work or perform a task for the benefit of an individual with a disability.
Service animal is defined as guide dogs, signal dogs, or any other service animals that are trained to do work or perform a task for the benefit of an individual with a disability
Liability coverage protects you in the event of bodily injury or damage to someone else's property for which you are legally liable. The liability coverage has no deductible. This coverage pays the property manager/owner for damages to the unit caused by you as a result of the following perils:
Your policy also covers damages to your neighbor's property, up to the policy limit, if you are negligent.
In addition, liability coverage will also pay medical expenses up to the policy limits, in the event a guest is injured in your apartment.
Personal Property coverage pays for your personal belongings if they are damaged anywhere in the world as a result of various named perils. Some examples are:
For a detailed listing of covered perils, please refer to the policy.
Personal Property coverage has a per occurrence deductible. A deductible is the portion of your loss that you are financially responsible for. Let's say you selected a $250 deductible. If you suffer a covered loss worth $2,000 you are responsible for paying $250 and we will pay you $1750. The deductible starts as low as $100. Keep in mind, the higher the deductible, the lower your premium.
The deductible is not applicable to liability coverage or Involuntary Unemployment Insurance endorsement.
If your personal property is damaged by a covered peril we will pay the cost of replacement of the item without deduction for depreciation. The item(s) must first be replaced before the full replacement cost can be paid.
This coverage pays for damages to your personal property as a result of water backup of sewers or drains. The maximum benefit for this endorsement is $2,500 for each "occurrence" ($5,000 in North Carolina) and has a $250 deductible.
Involuntary unemployment means the loss of your employment income (salary, fees, wages) as a result of:
You, as the first named insured or certificate holder, are eligible for Involuntary Unemployment coverage if:
You must be involuntary unemployed for 30 consecutive days in order to be eligible for benefits. The coverage is retroactive, so the benefits will be payable from the first day of involuntary unemployment after a 30 days waiting period. This coverage pays a portion of your rent up to 2 months and payment will be made to your landlord.
To be eligible for Involuntary Unemployment benefits, you must:
We will not cover involuntary unemployment that;
Once the maximum number of benefits shown on your policy are paid, no further benefits will be paid for that period of unemployment.
A period of involuntary unemployment will be considered separate from the previous one if:
(a) the two are from totally unrelated causes; or
(b) you return to work and are gainfully employed at least 90 consecutive days before you become involuntarily
unemployed again.
*This is a brief description of coverage. Please review the policy endorsement for complete details, limitations, exclusions. The purchase of this insurance is completely voluntary. You can cancel this Involuntary Unemployment coverage at any time by notifying us in writing. This coverage may vary or may not be available in your state.
This coverage pays for damages to your personal property as a result of an earthquake. When selected, the earthquake coverage is equal to the personal property coverage selected. The deductible is 15% of the amount of personal property coverage selected with a $1500 limit for additional living expenses. Available in California.
In 2012 alone, there were 12.6 million victims of identity fraud in the US.1
Identity Fraud Expense Coverage is an endorsement to the Renters Insurance program that helps cover the cost and time it will take to restore your identity. These "expenses" include, but are not limited to, attorney's fees and loss of income, up to $5,000, as a result of time taken off work to talk with law enforcement agencies and credit agencies. Having Identity Fraud Expense Coverage can reimburse you up to $15,000 for expenses as a direct result of identity fraud. Identity theft and fraud refers to the use of wrongfully obtaining someone else's personal information and using it in a way that includes deception, usually for an economic gain. Identity theft can include stealing your bank account number or credit card number, which can lead to large financial and credibility loss.
1 2013 Javelin Identity Fraud Survey Report
Liability coverage protects you in the event of bodily injury or damage to someone else's property for which you are legally liable. The liability coverage has no deductible. This coverage pays the property manager/owner for damages to the unit caused by you as a result of the following perils:
Your policy also covers damages to your neighbor's property, up to the policy limit, if you are negligent.
In addition, liability coverage will also pay medical expenses up to the policy limits, in the event a guest is injured in your apartment.
Personal Property coverage pays for your personal belongings if they are damaged anywhere in the world as a result of various named perils. Some examples are:
For a detailed listing of covered perils, please refer to the policy.
Personal Property coverage has a per occurrence deductible. A deductible is the portion of your loss that you are financially responsible for. Let's say you selected a $250 deductible. If you suffer a covered loss worth $2,000 you are responsible for paying $250 and we will pay you $1750. The deductible starts as low as $100. Keep in mind, the higher the deductible, the lower your premium.
The deductible is not applicable to liability coverage or Involuntary Unemployment Insurance endorsement.
If your personal property is damaged by a covered peril we will pay the cost of replacement of the item without deduction for depreciation. The item(s) must first be replaced before the full replacement cost can be paid.
This coverage pays for damages to your personal property as a result of water backup of sewers or drains. The maximum benefit for this endorsement is $2,500 for each "occurrence" ($5,000 in North Carolina) and has a $250 deductible.
In 2012 alone, there were 12.6, there were 9.9 million victims of identity fraud in the US.1
Identity Fraud Expense Coverage is an endorsement to the Renters Insurance program that helps cover the cost and time it will take to restore your identity. These "expenses" include, but are not limited to, attorney's fees and loss of income, up to $5,000, as a result of time taken off work to talk with law enforcement agencies and credit agencies. Having Identity Fraud Expense Coverage can reimburse you up to $15,000 for expenses as a direct result of identity fraud. Identity theft and fraud refers to the use of wrongfully obtaining someone else's personal information and using it in a way that includes deception, usually for an economic gain. Identity theft can include stealing your bank account number or credit card number, which can lead to large financial and credibility loss.
1 2013 Javelin Identity Fraud Survey Report
This coverage pays for damages to your personal property as a result of an earthquake. When selected, the earthquake coverage is equal to the personal property coverage selected. The deductible is 15% of the amount of personal property coverage selected with a $1500 limit for additional living expenses. Available in California.
Involuntary Unemployment means the loss of your employment income (salary, fees, wages) as a result of:
You, as the first named insured or certificate holder, are eligible for Involuntary Unemployment coverage if:
You must be involuntary unemployed for 30 consecutive days in order to be eligible for benefits. The coverage is retroactive, so the benefits will be payable from the first day of involuntary unemployment after a 30 days waiting period. This coverage pays a portion of your rent up to 2 months and payment will be made to your landlord.
To be eligible for Involuntary Unemployment benefits, you must:
We will not cover involuntary unemployment that;
Once the maximum number of benefits shown on your policy are paid, no further benefits will be paid for that period of unemployment.
A period of involuntary unemployment will be considered separate from the previous one if:
(a) the two are from totally unrelated causes; or
(b) you return to work and are gainfully employed at least 90 consecutive days before you become involuntarily
unemployed again.
*This is a brief description of coverage. Please review the policy endorsement for complete details, limitations, exclusions. The purchase of this insurance is completely voluntary. You can cancel this Involuntary Unemployment coverage at any time by notifying us in writing. This coverage may vary or may not be available in your state.
You selected involuntary unemployment insurance in your package. To qualify for involuntary unemployment insurance you, as the primary applicant* on the policy, must meet the following:
In addition, you must qualify for unemployment benefits under your state's unemployment law.
*Coverage is for the first named insured and begins 30 days form the policy effective date.
Involuntary unemployment means the loss of your employment income (salary, fees, wages) as a result of:
You, as the first named insured or certificate holder, are eligible for Involuntary Unemployment coverage if:
You must be involuntary unemployed for 30 consecutive days in order to be eligible for benefits. The coverage is retroactive, so the benefits will be payable from the first day of involuntary unemployment after a 30 days waiting period. This coverage pays a portion of your rent up to 2 months and payment will be made to your landlord.
To be eligible for Involuntary Unemployment benefits, you must:
We will not cover involuntary unemployment that;
Once the maximum number of benefits shown on your policy are paid, no further benefits will be paid for that period of unemployment.
A period of involuntary unemployment will be considered separate from the previous one if:
(a) the two are from totally unrelated causes; or
(b) you return to work and are gainfully employed at least 90 consecutive days before you become involuntarily
unemployed again.
*This is a brief description of coverage. Please review the policy endorsement for complete details, limitations, exclusions. The purchase of this insurance is completely voluntary. You can cancel this Involuntary Unemployment coverage at any time by notifying us in writing. This coverage may vary or may not be available in your state.
*A seperate hurricane deductible may apply.
Renters Insurance quote displayed includes an Internet premium credit.
Liability coverage protects you in the event of bodily injury or damage to someone else's property for which you are legally liable. The liability coverage has no deductible. This coverage pays the property manager/owner for damages to the unit caused by you as a result of the following perils:
Your policy also covers damages to your neighbor's property, up to the policy limit, if you are negligent.
In addition, liability coverage will also pay medical expenses up to the policy limits, in the event a guest is injured in your apartment.
Personal Property coverage pays for your personal belongings if they are damaged anywhere in the world as a result of various named perils. Some examples are:
For a detailed listing of covered perils, please refer to the policy.
Personal Property coverage has a per occurrence deductible. A deductible is the portion of your loss that you are financially responsible for. Let's say you selected a $250 deductible. If you suffer a covered loss worth $2,000 you are responsible for paying $250 and we will pay you $1750. The deductible starts as low as $100. Keep in mind, the higher the deductible, the lower your premium.
The deductible is not applicable to liability coverage or Involuntary Unemployment Insurance endorsement.
If your personal property is damaged by a covered peril we will pay the cost of replacement of the item without deduction for depreciation. The item(s) must first be replaced before the full replacement cost can be paid.
This coverage pays for damages to your personal property as a result of water backup of sewers or drains. The maximum benefit for this endorsement is $2,500 for each "occurrence" ($5,000 in North Carolina) and has a $250 deductible.
Involuntary unemployment means the loss of your employment income (salary, fees, wages) as a result of:
You, as the first named insured or certificate holder, are eligible for Involuntary Unemployment coverage if:
You must be involuntary unemployed for 30 consecutive days in order to be eligible for benefits. The coverage is retroactive, so the benefits will be payable from the first day of involuntary unemployment after a 30 days waiting period. This coverage pays a portion of your rent up to 2 months and payment will be made to your landlord.
To be eligible for Involuntary Unemployment benefits, you must:
We will not cover involuntary unemployment that;
Once the maximum number of benefits shown on your policy are paid, no further benefits will be paid for that period of unemployment.
A period of involuntary unemployment will be considered separate from the previous one if:
(a) the two are from totally unrelated causes; or
(b) you return to work and are gainfully employed at least 90 consecutive days before you become involuntarily
unemployed again.
*This is a brief description of coverage. Please review the policy endorsement for complete details, limitations, exclusions. The purchase of this insurance is completely voluntary. You can cancel this Involuntary Unemployment coverage at any time by notifying us in writing. This coverage may vary or may not be available in your state.
In 2012 alone, there were 12.6 million victims of identity fraud in the US.1
Identity Fraud Expense Coverage is an endorsement to the Renters Insurance program that helps cover the cost and time it will take to restore your identity. These "expenses" include, but are not limited to, attorney�s fees and loss of income, up to $5,000, as a result of time taken off work to talk with law enforcement agencies and credit agencies. Having Identity Fraud Expense Coverage can reimburse you up to $15,000 for expenses as a direct result of identity fraud. Identity theft and fraud refers to the use of wrongfully obtaining someone else's personal information and using it in a way that includes deception, usually for an economic gain. Identity theft can include stealing your bank account number or credit card number, which can lead to large financial and credibility loss.
1 2013 Javelin Identity Fraud Survey Report
This coverage pays for damages to your personal property as a result of an earthquake. When selected, the earthquake coverage is equal to the personal property coverage selected. The deductible is 15% of the amount of personal property coverage selected with a $1500 limit for additional living expenses. Available in California.
An additional applicant is a person that is not related to the applicant but resides in the same location as the applicant. This person would like protection under this policy.
Interested Party means the person or organization that would like to be informed that you have coverage. It is not considered a loss payee or an additional applicant.
Failure to disclose the existence of an arson conviction when requested upon an insurance application shall be a misdemeanor punishable by a sentence of not more than one-year imprisonment.
I understand that the underwriting insurance company may provide certain information to the property manager or landlord relating to the purchase of this insurance, including name, address, phone number, type and amount of coverage, coverage status, terms of coverage, and email address if applicable.
I acknowledge that I have read and understand all applicable state disclosures.
Please print or download a copy of these Disclosures for Your records after reading them.
We are required by law to provide certain disclosures to You before You enter into this transaction electronically. In addition, We need Your consent to enter into this transaction before We can deliver certain documents to You electronically. Please read this notice carefully before giving consent.
This Disclosures and Consent to Conduct Business Electronically ("Disclosure") applies to all Communications for those Policies, Contracts, services and notices offered or accessible through the Online Service. "Online Service" means the website and its associated links, services, and Communications available at www.rentersecurity.com or any domains redirected to this site; or available through an associated mobile application.
The words "We", "Us", and "Our" refer to the company that issues You Your Contract. The words "You" and "Your" mean You, the individual(s) or entity that owns the Contract.
"Communications" means all the information that We are required to provide to You by law, or as reasonably necessary to administer Your Contract, which includes, but is not limited to, Your online enrollment or application, declarations page, Policy, certificate, terms and conditions, responses to claims, transaction history, privacy policies, periodic billing statements, amendments, services, notices and disclosures about changes in the terms of Your Contract.
"Contract" means a Policy/certificate, Extended Service Contract, or any other product or service requested by You and issued by Us.
"Policy" means a written contract of insurance, or written agreement effecting insurance, or the certificate thereof, and includes all clauses, riders or endorsements, and declarations page.
"Extended Service Contract" means a contract or agreement for a separately stated consideration or for a specific duration to perform the repair, replacement or maintenance of property or indemnification for repair, replacement or maintenance, for the operational or structural failure due to a defect in materials, workmanship or normal wear and tear, with or without additional provision for incidental payment of indemnity under limited circumstances, but does not include mechanical breakdown insurance or maintenance agreements."
I have read, understand and agree to be bound by the terms and conditions described above and consent to receive electronic documents according to the process described above.
I understand and agree that: (i) I am the applicant for the Contract or am validly authorized by the prospective Contract owner to act on his/her behalf; (ii) certain documents will continue to be delivered to me via U.S. Mail that are not included in the Paperless Transactions program and that in the future some or all of these documents may be made available to me as part of the Paperless Transactions program; (iii) my consent to view documents electronically does not automatically expire and is not limited as to duration; (iv) the entity or entities with which I have my Contract and/or their agents may revoke my participation in the Paperless Transactions program at any time at their discretion; (v) neither entity or entities with which I have my Contract, nor their agents will be liable for any loss, liability, cost, expense, or claim for acting upon this authorization or arising from my use of the services provided pursuant to this Disclosure; and (vi) additional information provided to me in addition to my Contract contain important information or disclosures concerning my Contract and I agree to review such additional information in a timely manner.
By clicking below I acknowledge that I will be charged in the amount of
I have read and accept the recurring payment authorization.
By clicking below I acknowledge that I will be charged in the amount of
I have read and accept the recurring payment authorization.
| 12-month term |
Your application has been submitted. You have made a wise decision in protecting yourself against the unexpected.
View Your Completed Application| $250 | Deductible |
| 12-month term |
| $500 | Replacement Cost |
| $500 | Water Sewer or Drain backup |
| $500 | Liability |
| $1,000 | Identity Fraud |
| $500 | Earthquake |
Your application of insurance may be used as proof of insurance. Please print or save this page for your records.
Your insurance policy will be sent via email within 3-5 days. If you opted to receive your policy by mail, it should arrive within 10 business days.
IMPORTANT: Please add [email protected] to your list of safe senders, to ensure proper delivery of your policy.
Online payments, policy request changes, Fire claims online, Proof of insurance, and much more
This is a consumer-only website. Any transactions initiated by unauthorized individuals or anyone other than the intended "named insured" on the insurance policy is strictly prohibited.
American Bankers Insurance Company of Florida and Ranchers and Farmers Mutual Insurance Company and American Security Insurance Company and Voyager Indemnity Insurance Company collectively, "We" "Our" or "Us", require that each visitor ("User, "You", or "Your") to this renter's insurance Internet site on the World Wide Web (this "Site") adhere to the following Terms and Conditions, which may have been revised since You last visited the Site. Please read these Terms and Conditions carefully before using this Site. By accessing this Site, each User acknowledges that he or she has read, understands and accepts each of the Terms and Conditions. Each User is bound by any revisions to these Terms and Conditions and should visit this page at each visit to review the current Terms and Conditions. If the User does not agree to all of the Terms and Conditions, he or she should not use this Site.
Site Purpose and Conditions
This Site is for You to review, receive a quote, if desired, enroll in a renter's insurance program offered by either
American Bankers Insurance Company of Florida or Voyager Indemnity Insurance Company, in Texas, offered by American
Bankers Insurance Company of Florida and Ranchers and Farmers Mutual Insurance Company, and, in Minnesota, offered by
American Security Insurance Company. This site is only intended to be used by consumers or by individuals who have
been given authorization by Assurant Specialty Property to use this site. Any unauthorized use or misuse will
promptly be reported to the applicable state department of insurance. In order for You to apply, You must provide
Us with certain personal information. We cannot guarantee that, in all circumstances, that We will receive your
application via this tool. We, therefore, request that You contact Us by telephone at 1.800.432.8612, Monday through
Friday from 8 a.m. to 8 p.m. ET, or write us at American Bankers Insurance Company of Florida, Specialty Services,
5th Floor, P.O. Box 979220, Miami, Florida 33197, if You have not received a response within three (3) weeks of Your
original Internet submission. If You do not desire to enroll electronically (over the Internet), please call us at
1.866.720.3213 Monday through Friday 8 a.m. to 10 p.m. and Saturday 10 a.m. to 5 p.m. ET to enroll by telephone.
All payment options may not be available to YOU, by telephone, due to certain legal restrictions. To protect the
security of your data, You should utilize a browser, Internet Explorer 8.0 or higher, with 128 bit encryption or
higher.
No Warranty
Although We strive to ensure the accuracy of this Site at all times and to ensure its security, We expressly disclaim all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, security, and accuracy. Information in this Site may contain inaccuracies or errors. Information on this Site may be changed or updated without notice. We have no obligation to update information on this Site, so such information may be out of date at any given time. We also may make improvements or changes in products described on this Site at any time without notice. However, if You apply for the renter's insurance, You will be contacted regarding any changes that may have a material impact on Your application, prior to processing Your application.
Limitation of Liability/Disclaimer
WE WILL NOT BE RESPONSIBLE FOR ANY DAMAGES OR INJURIES THAT ACCOMPANY OR RESULT FROM ANY USE OF THIS SITE. THESE
INCLUDE, BUT ARE NOT LIMITED TO, DAMAGES OR INJURY CAUSED BY ANY: (1) USE OF, OR INABILITY TO USE, OUR SITE; (2)
FAILURE OF PERFORMANCE; (3) ERROR; (4) OMISSION; (5) INTERRUPTION; (6) DEFECT; (7) DELAY IN OPERATION OR
TRANSMISSION; (8) COMPUTER VIRUS; OR (9) LINE FAILURE. WE ARE NOT LIABLE FOR ANY CONSEQUENTIAL OR INCIDENTAL
DAMAGES WHICH ARE DAMAGES INTENDED TO COMPENSATE SOMEONE DIRECTLY FOR A LOSS OR INJURY, OR OTHER MISCELLANEOUS
DAMAGES AND EXPENSES RESULTING DIRECTLY FROM A LOSS OR INJURY. IN THE EVENT WE MAY BE HELD LIABLE FOR ANY DAMAGES
RELATIVE TO OUR SITE, SUCH DAMAGES WILL NOT BE GREATER THAN THE AMOUNT YOU HAVE PAID TO ACCESS OUR SITE.
THE MATERIAL ON OUR SITE IS PROVIDED "AS IS." WE DISCLAIM ALL EXPRESS AND IMPLIED WARRANTIES ABOUT THE MATERIAL IN OUR SITE,
INCLUDING, BUT NOT LIMITED TO, WARRANTIES THAT: (1) THE MATERIAL IS OF ANY PARTICULAR LEVEL OF QUALITY OR IS
FIT FOR A PARTICULAR PURPOSE; (2) THE FUNCTIONAL ELEMENTS CONTAINED IN THE MATERIALS WILL BE UNINTERRUPTED OR
ERROR-FREE; (3) DEFECTS WILL BE CORRECTED; (4) OUR SITE, OR THE SERVERS THAT MAKE OUR SITE AVAILABLE ARE FREE OF
COMPUTER VIRUSES OR OTHER HARMFUL COMPONENTS OR CONDITIONS; OR (5) INFORMATION CONTAINED IN OUR SITE IS ACCURATE
AS OF ANY PARTICULAR DATE. INFORMATION ON OUR SITE MAY BE MODIFIED AT ANY TIME WITHOUT NOTICE.
No Representation as to Suitability
We make no representation as to the financial or other suitability of any product or service described on this Site for any User.
Copyright, Trademarks and Service Marks
All content on this Site is protected by applicable copyright laws. Users are prohibited from modifying, copying, distributing, transmitting, displaying, publishing, selling, licensing, creating derivative works or using any content on this Site for commercial or public purposes. The trademarks, logos and service marks (the "Marks") displayed on this Site are the property of American Bankers Insurance Company of Florida or affiliates (collectively "Assurant"). Users are prohibited from using any Mark for any purpose without the express written permission of Assurant.
Ownership
The design, text and images of this Site are owned, controlled or licensed by Assurant. Assurant retains all right, titles and interest to all material provided on this Site. The posting of information and material on this Site does not constitute a waiver by Assurant or any of their licensors of any rights in such material and does not transfer any rights to any User of the Site.
Linking
This Site may contain hyperlinks to Web sites operated, owned or maintained by parties other than Us. Such hyperlinks are provided solely as a matter of convenience. We do not control such Web sites and are not responsible for their contents. The inclusion of hyperlinks to such Web sites does not imply any endorsement, approval or certification by Us of the material on such Web sites or any association with their operators. Access to any such other site linked to this Site is at the User's own risk.
You may not establish a link or hyperlink to this Site or reference this Site on any Web site or in any materials published by You, without Our express written permission.
Use of Cookie File
Some sites and pages within this Site may use "cookies." A cookie, for the purpose of this Legal Notice, is a small file that is stored on your hard drive and contains no personally identifiable information about the User's use of this Site. A cookie used by Us cannot read data off the User's hard drive or read cookie files created from other sites. The User is free to decline a cookie if the User's browser has been set to prompt or decline cookies. It is possible that the declination of a cookie may not be able to use the Site information and functions successfully.
Products Not Available
The products and services described in this Site relate to products and services available within the United States. Such products and services may not be available in all states.
Laws and Regulations
Access to and use of this Site are subject to all applicable federal, state and local laws and regulations in the United States.
Forward-Looking Statements
This Site includes "forward-looking statements" that express expectations of future events and/or results. All statements based on future expectations rather than on historical facts are forward-looking statements that involve a number of risks and uncertainties, and no assurances can be given that such statements will prove to be correct.
Changes to Terms and Conditions
Assurant reserves the right to revise theses Terms and Conditions at any time and Users are deemed to be apprised of and bound by any changes to these Terms and Conditions.
Violations of Terms and Conditions
We reserve the right to seek any remedy available at law or in equity for any violation of these Terms and Conditions, including the right to block access from a particular Internet address to this Site.
Underwriting Entities You are provided the following information pursuant to various state insurance laws, including, but not limited to, those of California, Massachusetts and Missouri. Each insurer has sole financial responsibility for its own products.
| Insurance Company | National Association of Insurance Commissioners' ID # | Jurisdictions in US Where Authorized to Do Business | State of Domicile |
|---|---|---|---|
| American Bankers Insurance Company of Florida 11222 Quail Roost Drive, Miami, FL 33157 (305) 253-2244 |
10111 | All States & the District of Columbia | Florida |
| Ranchers and Farmers Mutual Insurance Company 505 Orleans, Suite 400, Beaumont, TX 77703 (409) 291-4400 |
10199 | Texas | Texas |
| American Security Insurance Company 260 Interstate N Circle - SE, Atlanta, GA 30339 (770) 763-1000 |
42978 | All States except NH | Delaware |
| Voyager Indemnity Insurance Company 260 Interstate N Circle - SE, Atlanta, GA 30339 (770) 763-1000 |
40428 | Georgia | Georgia |
The trade name "Assurant Specialty Property" is used to associate our products and services, and to connect us with the brand of our parent company, Assurant Inc. In all states except Minnesota and Texas, renters property insurance and renters liability insurance programs are underwritten by American Bankers Insurance Company of Florida with its home office in Miami, Florida. In Minnesota, renters property and renters liability insurance are underwritten by American Security Insurance Company. In Texas, the renters property insurance is underwritten by Ranchers and Farmers Mutual Insurance Company and renters liability insurance is underwritten by American Bankers Insurance Company of Florida.
Each insurer has sole financial responsibility for its own products.
If You are an individual consumer located in California or other applicable state (if any), this notice is given to You pursuant to state law. It addresses personally identifiable information collected by Us about You when You visit or use this Site.
Assurant Specialty Property and its affiliated companies are committed to protecting the personal information entrusted to us by consumers who visit our website. The trust you place in us when you share personal information and/or the personal information of another person or entity is a responsibility we take very seriously and is the cornerstone of how we conduct our business.
We use the brand name "Assurant Specialty Property" to associate our products and services and to connect us with the brand of our parent company, Assurant, Inc. This Policy is intended to inform our consumers of our practices with regard to consumers' personal information collected through this website. As used in this online Privacy Policy, the term "you and your" are defined to include all website visitors including, but not limited to, customers, brokers, third party administrators, and/or representatives of any of the above.
The term "personal information" includes any individually identifiable information about you that we collect online, such as your name, address, email address, telephone number, or social security number. We collect this information when you voluntarily disclose it to us in connection with a service offered on this website. Our website has security safeguards that are designed to protect any personal information that you decide to give us via this website. You may, however, choose not to provide this information and use an alternative form of communication such as telephone, fax, or regular mail. By using our website your consent to this online Privacy Policy is implied.
If you choose to provide us with personal information, such as in an email to one of our online email boxes, by filling out a form with your personal information and submitting it to us through our website or by logging onto our website, we use that information to respond to your message and to help us provide you with the information you have requested. We also need information from you when you register for online access to your claims information. We use that information in order to process transactions that you request and to authenticate you as a registered user.
We do not sell or rent personal information about visitors to this site or consumers who use the site. We will use and disclose the information you give us only as required or permitted by law. This may include, for example, disclosures to third parties that perform business services on our behalf or in response to a request from a law enforcement agency or subpoena.
Personally-identifiable information is information that allows us to identify you. We collect, analyze, monitor online activities, and store any personal information that you voluntarily provide by sending us an email to one of our online email boxes, by filling out a form with personal information and submitting through our website or by logging onto our website.
This information helps us assist you with technical issues encountered when using our website, improve our website and make your visits more appealing. You may choose not to provide personal information to us by not sending us an email using our online email boxes, by not filling out a form with personal information and by not logging onto our website. Refer to Section XII for other ways to contact us.
Non-personal information is generic data that does not allow us to identify or contact a specific individual. We look at such data on an individual and collective basis, to help us detect trends that might help us to improve our website.
We may gather generic data automatically from your web browser, such as: the Internet protocol (IP) address used to connect your computer to the Internet; computer and connection information such as browser type and version, operating system, and platform; the Uniform Resource Locator (URL) click path to, through, and from our website; and the date and time you access our website.
To protect your privacy, please do not use email to communicate information to us that you consider confidential. Email is not a secure method of communication and is not encrypted. Accordingly, an email message potentially could be accessed and viewed by others without your knowledge and/or permission, while in transit to us.
Persistent cookies may be used on this website. These are pieces of information or data sent to your browser from a web server and stored on your computer's hard drive for record-keeping purposes. We use this information to analyze traffic patterns and improve our website. If you prefer not to accept cookies, the help portion of the toolbar on most web browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. However, disabling cookies may result in certain parts of the website not operating correctly or prevent you from taking full advantage of some of the features of our website.
If you think that any personal information we have collected about you is inaccurate, you may send a written request for review to us at the address provided in Section XII. We will investigate your request and make appropriate changes if warranted.
Persistent cookies may be used on this website. These are pieces of information or data sent to your browser from a web server and stored on your computer's hard drive for record-keeping purposes. We use this information to analyze traffic patterns and improve our website. If you prefer not to accept cookies, the help portion of the toolbar on most web browsers will tell you how to prevent your browser from accepting new cookies, how to have the browser notify you when you receive a new cookie, or how to disable cookies altogether. However, disabling cookies may result in certain parts of the website not operating correctly or prevent you from taking full advantage of some of the features of our website.
Effective Date: February 14, 2006/as amended March 6, 2009
This website may contain links to other websites that may have online information practices different from ours. We are not responsible for the privacy and security practices of those websites, and we encourage our visitors to learn about the privacy and security practices of those websites.
We do not knowingly collect personal information from anyone under the age of 13. For more information about protecting your child's privacy online, visit the Federal Trade Commission.
We welcome your questions or comments regarding this online Privacy Policy. Please write to The Assurant Solutions/Assurant Specialty Property Privacy Office, Post Office Box 979047, Miami, FL 33197-9047 or e-mail us your question at [email protected].
The trade name "Assurant Specialty Property" is used to associate our products and services, and to connect us with the brand of our parent company, Assurant Inc. In all states except Minnesota and Texas, renters property insurance and renters liability insurance programs are underwritten by American Bankers Insurance Company of Florida with its home office in Miami, Florida. In Minnesota, renters property and renters liability insurance are underwritten by American Security Insurance Company. In Texas, the renters property insurance is underwritten by Ranchers and Farmers Mutual Insurance Company and renters liability insurance is underwritten by American Bankers Insurance Company of Florida.
Each insurer has sole financial responsibility for its own products.
1. Agreement to Pay. By clicking below, you authorize the payee, American Bankers Insurance Company of Florida (ABIC) to debit your bank account or charge your credit card for the amount(s) and at the frequency and date set forth in this site or this Agreement. For recurring debits, an automatic withdrawal will be made in the amount of the balance due on your bill one (1) day prior to the invoice due date. In the event an initial payment or a renewal payment is rejected by your financial institution for insufficient funds, the policy will be deemed void and no coverage will be afforded to you, subject to applicable state law.
2. Termination Clause: This Agreement will remain in full force and effect until either party terminates this Agreement, which either party may do at any time upon prior written notice to the other party, which notice will be effective at the time of its receipt by the other party, although the effectiveness of any termination notice received by ABIC within ten (10) days of any payment date may, at the election of ABIC, be delayed until after such payment. If you wish to terminate this Agreement, you must send a confirmation of termination to [email protected] or mailed to American Bankers Insurance Company of Florida, P.O Box 23852, Network Place, Chicago IL 60673-1238. If recurring payment from your credit card, checking account or savings account is rejected by your financial institution, ABIC will provide written notification to you and may terminate this Agreement.
3. Miscellaneous: ABIC shall not be liable to you for any special, incidental or consequential damages arising from any breach of the terms and conditions of this Agreement, or as a result of any delay, error or omission in any authorized recurring debit entry to be made, or from any act or omission of any financial institution, electronic funds transfer system, credit card issuer, operator or third party service provider, even if ABIC has been advised of the possibility of such damages. Each party shall bear all of the respective fees and other charges assessed by its designated financial institution(s). If an authorized recurring debit entry from your applicable account is rejected and no other provision is made for payment on or before the due date, payment will be considered delinquent. ABIC will have no obligation to provide notice of delinquency to you. ABIC reserves the right: (a) to adjust future authorized recurring debit entries from your account if any authorized recurring debit entry previously made is found to be duplicative, processed incorrectly, not at all, in excess of, or less than the required amount, (b) to choose the system used to process automatic bank or credit card debit entries and any third-party service provider it may use, and (c) to initiate debit or payment entries and adjustments from any authorized recurring debit entries made in error. ABIC is entitled to rely upon the information supplied by you on this website. Each automatic debit from your credit card, checking account or savings account, as applicable, will be made in accordance with the information you have provided in this enrollment form, or as any person purporting to represent you may otherwise specify in written notice received by ABIC. ABIC will not be responsible for any loss arising by reason of any error, mistake or fraud with regard to such information and shall be under no obligation to verify the authority of any person who purports to act on your behalf.
Please print or download a copy of these Disclosures for Your records after reading them.
We are required by law to provide certain disclosures to You before You enter into this transaction electronically. In addition, We need Your consent to enter into this transaction before We can deliver certain documents to You electronically. Please read this notice carefully before giving consent.
This Disclosures and Consent to Conduct Business Electronically ("Disclosure") applies to all Communications for those Policies, Contracts, services and notices offered or accessible through the Online Service. "Online Service" means the website and its associated links, services, and Communications available at www.rentersecurity.com or any domains redirected to this site; or available through an associated mobile application.
The words "We", "Us", and "Our" refer to the company that issues You Your Contract. The words "You" and "Your" mean You, the individual(s) or entity that owns the Contract.
"Communications" means all the information that We are required to provide to You by law, or as reasonably necessary to administer Your Contract, which includes, but is not limited to, Your online enrollment or application, declarations page, Policy, certificate, terms and conditions, responses to claims, transaction history, privacy policies, periodic billing statements, amendments, services, notices and disclosures about changes in the terms of Your Contract.
"Contract" means a Policy/certificate, Extended Service Contract, or any other product or service requested by You and issued by Us.
"Policy" means a written contract of insurance, or written agreement effecting insurance, or the certificate thereof, and includes all clauses, riders or endorsements, and declarations page.
"Extended Service Contract" means a contract or agreement for a separately stated consideration or for a specific duration to perform the repair, replacement or maintenance of property or indemnification for repair, replacement or maintenance, for the operational or structural failure due to a defect in materials, workmanship or normal wear and tear, with or without additional provision for incidental payment of indemnity under limited circumstances, but does not include mechanical breakdown insurance or maintenance agreements."
I have read, understand and agree to be bound by the terms and conditions described above and consent to receive electronic documents according to the process described above.
I understand and agree that: (i) I am the applicant for the Contract or am validly authorized by the prospective Contract owner to act on his/her behalf; (ii) certain documents will continue to be delivered to me via U.S. Mail that are not included in the Paperless Transactions program and that in the future some or all of these documents may be made available to me as part of the Paperless Transactions program; (iii) my consent to view documents electronically does not automatically expire and is not limited as to duration; (iv) the entity or entities with which I have my Contract and/or their agents may revoke my participation in the Paperless Transactions program at any time at their discretion; (v) neither entity or entities with which I have my Contract, nor their agents will be liable for any loss, liability, cost, expense, or claim for acting upon this authorization or arising from my use of the services provided pursuant to this Disclosure; and (vi) additional information provided to me in addition to my Contract contain important information or disclosures concerning my Contract and I agree to review such additional information in a timely manner.
Need to purchase a policy or want to ask us a question?
Call us toll-free at 1.866.720.3213, Monday through Friday, 8 a.m. - 10 p.m. and Saturday from 10 a.m. - 5 p.m. ET.
Already a policyholder?
Visit Assurant Insurance Center at www.myassurantpolicy.com.
24/7 online access to:
Need to file a claim?
Call 1.800.358.0600, 24 hours a day, 7 days a week, or visit www.myassurantpolicy.com and file your claim online.
Assurant Specialty Property is a leading provider of Renters Insurance to the multi-family industry. We are part of Assurant, Inc., a Fortune 500 company that provides the financial strength you can count on.
Selecting an insurance provider that can keep their promise is the first step in protecting yourself. Our company is always dedicated to ensure your peace of mind and security and has been satisfying customers with its friendly, professional service.
The trade name "Assurant Specialty Property" is used to associate our products and services, and to connect us with the brand of our parent company, Assurant Inc. In all states except Minnesota and Texas, renters property insurance and renters liability insurance programs are underwritten by American Bankers Insurance Company of Florida with its home office in Miami, Florida. In Minnesota, renters property and renters liability insurance are underwritten by American Security Insurance Company. In Texas, the renters property insurance is underwritten by Ranchers and Farmers Mutual Insurance Company and renters liability insurance is underwritten by American Bankers Insurance Company of Florida.
Each insurer has sole financial responsibility for its own products.
Notice of Adverse Underwriting Decision
If you have been declined insurance coverage, it is because of the answer(s) you have provided to the question(s) on your application for insurance. We have based this decision solely on the information you have provided on your application.
Upon your written request and submission of proper identification
Within 30 business days from the date of receipt of your written request to correct, amend, or delete any recorded personal information, we must:
If we refuse to make a correction, amendment or deletion:
If the information is corrected, amended or deleted, the changes will be in writing and provided to you, any person who may have received the incorrect information within the preceding two (2) years, any insurance-support organization that received the information within the preceding seven years, and any insurance support organization that furnished the personal information that has been corrected, amended or deleted.
If you would like additional information concerning this action, you have 180 days to submit a written request to:
Assurant Specialty Property®
Privacy Office
Adverse Underwriting Decision
11222 Quail Roost Drive
Miami, FL 33157-6596
We will respond to all written requests for additional information within 21 business days.
Notice to North Carolina applicant's only:
As required by North Carolina law, the insurance company checked below is the Assurant Specialty Property® company applicable to North Carolina residents:
The trade name "Assurant Specialty Property" is used to associate our products and services, and to connect us with the brand of our parent company, Assurant Inc. In all states except Minnesota and Texas, renters property insurance and renters liability insurance programs are underwritten by American Bankers Insurance Company of Florida with its home office in Miami, Florida. In Minnesota, renters property and renters liability insurance are underwritten by American Security Insurance Company. In Texas, the renters property insurance is underwritten by Ranchers and Farmers Mutual Insurance Company and renters liability insurance is underwritten by American Bankers Insurance Company of Florida.
Each insurer has sole financial responsibility for its own products.
Assurant's Renters Insurance will cover both your personal property and personal liability.
Personal Property Coverage
With this coverage your personal belongings are covered if they are damaged as a result of many named perils.
Some examples are:
For a detailed listing of covered perils, please refer to the policy.
Personal Liability Coverage
With this coverage you are financially protected in the event you are legally liable for damage caused to your
rental property or property of others. Many property managers require residents to maintain liability coverage
during the term of the lease so that it pays them for damage you may have caused to the rental property as a
result of:
* In NC, water damage is currently not covered in the liability coverage section of the Renters Insurance Policy. Coverage for water damage is currently pending state approval.
This is a brief description of our Renters Insurance coverages. Please review the policy and endorsements for complete details, including limitations and exclusions. Coverages may vary by state. Renters Insurance is underwritten by American Bankers Insurance Company of Florida, with its home office in Miami, Florida. In Minnesota, coverage is underwritten by American Security Insurance Company. In Texas, the personal property coverage is underwritten by Ranchers and Farmers Mutual Insurance Company and the liability coverage is underwritten by American Bankers Insurance Company of Florida. Each insurer has sole financial responsibility for its own products.
Yes. With Renters Insurance your belongings are covered anywhere in the world.
This is a brief description of our Renters Insurance coverages. Please review the policy and endorsements for complete details, including limitations and exclusions. Coverages may vary by state.
Assurant's Renters Insurance offers multiple endorsements that you can add to your policy. Some endorsements are not available in all states. When you get a quote, we will display the endorsements available in your state.
This is a brief description of our Renters Insurance coverages. Please review the policy and endorsements for complete details, including limitations and exclusions. Coverages may vary by state.
This coverage will reimburse you for the cost of replacing your personal property without penalty for depreciation if damaged by a covered peril. Without this coverage your claim will be settled at Actual Cash Value (ACV). Actual Cash Value is determined by applying the depreciation factor to the replacement value of any item. Available in all states.
This is a brief description of our Renters Insurance coverages. Please review the policy and endorsements for complete details, including limitations and exclusions. Coverages may vary by state.
This coverage pays for damages to your personal property as a result of water backup of sewers or drains. The maximum benefit for this endorsement is $2,500 for each "occurrence" ($5,000 in North Carolina) and has a $250 deductible. Coverage is not available in all states.
If you involuntarily lost your job and you are the named insured (the first name) on the policy, this benefit pays a portion of your rent for up to 2 months directly to your property manager. There are certain eligibility requirements you must meet in order to take full advantage of this endorsement. Learn more.
Involuntary unemployment means the loss of your employment income (salary, fees, wages) as a result of:
You, as the first named insured or certificate holder, are eligible for Involuntary Unemployment coverage if:
You must be involuntary unemployed for 30 consecutive days in order to be eligible for benefits. The coverage is retroactive, so the benefits will be payable from the first day of involuntary unemployment after a 30 days waiting period. This coverage pays a portion of your rent up to 2 months and payment will be made to your landlord.
To be eligible for Involuntary Unemployment benefits, you must:
We will not cover involuntary unemployment that;
Once the maximum number of benefits shown on your policy are paid, no further benefits will be paid for that period of unemployment.
A period of involuntary unemployment will be considered separate from the previous one if:
(a) the two are from totally unrelated causes; or
(b) you return to work and are gainfully employed at least 90 consecutive days before you become involuntarily
unemployed again.
*This is a brief description of coverage. Please review the policy endorsement for complete details, limitations, exclusions. The purchase of this insurance is completely voluntary. You can cancel this Involuntary Unemployment coverage at any time by notifying us in writing. This coverage may vary or may not be available in your state.
This is a brief description of our Renters Insurance coverages. Please review the policy and endorsements for complete details, including limitations and exclusions. Coverages may vary by state.
This coverage reimburses you up to $15,000 to help cover the cost and time it will take to restore your identity. A $100 deductible applies. Learn more.
In 2012 alone, there were 12.6 million victims of identity fraud in the US.1
Identity Fraud Expense Coverage is an endorsement to the Renters Insurance program that helps cover the cost and time it will take to restore your identity. These "expenses" include, but are not limited to, attorney�s fees and loss of income, up to $5,000, as a result of time taken off work to talk with law enforcement agencies and credit agencies. Having Identity Fraud Expense Coverage can reimburse you up to $15,000 for expenses as a direct result of identity fraud. Identity theft and fraud refers to the use of wrongfully obtaining someone else's personal information and using it in a way that includes deception, usually for an economic gain. Identity theft can include stealing your bank account number or credit card number, which can lead to large financial and credibility loss.
1 2013 Javelin Identity Fraud Survey Report
This is a brief description of our Renters Insurance coverages. Please review the policy and endorsements for complete details, including limitations and exclusions. Coverages may vary by state.
This coverage pays for damage to your personal property as a result of an earthquake. When selected, the benefit amount is equal to the personal property limit. The deductible is 15% of the amount of personal property coverage selected. The limit for additional living expenses is $1,500 (in California) and 20% of the personal property coverage (in Washington). This endorsement is available in California and Washington.
This is a brief description of our Renters Insurance coverages. Please review the policy and endorsements for complete details, including limitations and exclusions. Coverages may vary by state.
Liability-Only coverage protects you in the event of bodily injury or damage to someone else's property for which you are legally liable. The Liability-Only insurance program has no deductible. This coverage is for residents who do not wish to insure their personal belongings. For example, The Liability-Only policy pays the property manager/owner for damage to the unit caused by you as a result of the following perils:
Your policy also covers damage to your neighbor's property, up to the policy limits, if you are negligent.
When residing in a community where Liability-Only insurance is required, everyone in that community is protected.
Liability-Only policy will also pay medical expenses in the event a guest is injured in your apartment up to the policy limit.
This is a brief description of the Liability-Only insurance. Depending on your state this program is one of the following:
No. Your belongings are not covered in a Liability-Only policy. To cover your personal property as well as your liability, you would need to purchase Renters Insurance.
Yes. If you are sued due to damage that you caused, the Liability-Only policy will pay for the cost of defense up to the policy limits.
This is a brief description of our Renters Insurance coverages. Please review the policy and endorsements for complete details, including limitations and exclusions. Coverages may vary by state.
As with all insurance policies there are some exclusions and limitations that apply. Here are some examples that we feel are important for you to know:
Personal Property Coverage
Your personal belongings will not be covered if they are damaged as a result of the following named perils:
Liability Coverage
We will not cover bodily injury or property damages arising out of:
* Earthquake coverage is available by endorsement in CA and WA. Water Backup of Sewer or Drains is available by endorsement in most states.
Coverage availability and limits vary by state. For a detailed listing of all the coverages, exclusions and limitations that apply, please refer to the policy.
Yes. You may purchase coverage for your child that is renting an apartment or dorm while attending college. Please note that you cannot request any changes unless you are listed on the policy.
Yes. If you'd like to add a roommate, please notify us by visiting www.myassurantpolicy.com. All individuals will be named on any claim payments or policy refunds. If you purchased the Involuntary Unemployment Insurance endorsement only the first named insured will be covered.
If you purchase a Renters Insurance policy you may list one named insured and one additional insured. If you purchase a liability-only policy you may list one named insured and up to 3 additional insureds. All individuals will be named on any claim payments or policy refunds.
You should not list your property manager as an additional insured. If you are liable for damage to the community as a result of fire, smoke, explosion or water damage, your property manager will not be able to collect damages against your policy if they are listed as a named insured.
If your property manager is requesting to be named on the policy you want to consider adding them as an interested party.
If you involuntarily lost your job and you are the named insured on the policy, this benefit pays a portion of your rent for up to 2 months directly to your property manager. There are certain eligibility requirements you must meet in order to take full advantage of this endorsement. Click here to learn more.
Involuntary unemployment means the loss of your employment income (salary, fees, wages) as a result of:
You, as the first named insured or certificate holder, are eligible for Involuntary Unemployment coverage if:
You must be involuntary unemployed for 30 consecutive days in order to be eligible for benefits. The coverage is retroactive, so the benefits will be payable from the first day of involuntary unemployment after a 30 days waiting period. This coverage pays a portion of your rent up to 2 months and payment will be made to your landlord.
To be eligible for Involuntary Unemployment benefits, you must:
We will not cover involuntary unemployment that;
Once the maximum number of benefits shown on your policy are paid, no further benefits will be paid for that period of unemployment.
A period of involuntary unemployment will be considered separate from the previous one if:
(a) the two are from totally unrelated causes; or
(b) you return to work and are gainfully employed at least 90 consecutive days before you become involuntarily
unemployed again.
*This is a brief description of coverage. Please review the policy endorsement for complete details, limitations, exclusions. The purchase of this insurance is completely voluntary. You can cancel this Involuntary Unemployment coverage at any time by notifying us in writing. This coverage may vary or may not be available in your state.
A moratorium is a waiting period set by the insurance provider. During this period of time, certain types of insurance, including Renters Insurance, cannot take effect. Moratoriums are usually established when a catastrophic event is anticipated for an area. For example, areas under threat of a hurricane or a wild fire are not eligible for coverage during the moratorium period designated by the company. To determine if your area is under a moratorium call 1.866.720.3213
Assurant Specialty Property values your business and regrets that you are considering canceling your Renters Insurance policy. In order to proceed, please give us a call at 1.800.432.8612 to discuss your cancellation request.
The trade name "Assurant Specialty Property" is used to associate our products and services, and to connect us with the brand of our parent company, Assurant Inc. In all states except Minnesota and Texas, renters property insurance and renters liability insurance programs are underwritten by American Bankers Insurance Company of Florida with its home office in Miami, Florida. In Minnesota, renters property and renters liability insurance are underwritten by American Security Insurance Company. In Texas, the renters property insurance is underwritten by Ranchers and Farmers Mutual Insurance Company and renters liability insurance is underwritten by American Bankers Insurance Company of Florida.
Each insurer has sole financial responsibility for its own products.
You may request a coverage change by visiting
www.myassurantpolicy.com. Simply select your policy
and click Request Policy Change button. We will review your request and process it within 3 to 5 business days at
which time any approved changes will be reflected on the site.
You may also email your request to [email protected]. Be sure
to include your name, address, policy number, policy type and the type of modification you wish to make.
To file a claim, please contact our Claims Department at 1.800.358.0600 , 24 hours a day, 7 days a week. Please be prepared to give a detailed account of the events for which you are filing an insurance claim. Here are some of the things you will need when filing your claim:
If you are an existing policyholder, you may visit www.myassurantpolicy.com 24 hours a day,
7 days a week, 365 days a year.
You may also call 1.800.432.8612. Customer Service is available Monday through Friday from 8 a.m. to 8 p.m. ET.
If you are not an existing policyholder, please call 1.866.720.3213 , Monday through Friday from 8 a.m. to 10 p.m. and Saturday 10 a.m. to 5 p.m. ET.
In most cases coverages may be transferred to your new rental property. Simply submit an address change
request in the "Manage My Policy" section of www.myassurantpolicy.com. Please notify us within 30 days from the
day you begin to move in order to change the location on your policy. If you move to a new state, a new policy with
the rates and forms applicable to that state will be issued.
If you purchased a home, please submit your cancellation request via email to [email protected].
Be sure to include your name, current and future addresses, policy number, policy type, the last day you plan to live in your current residence, and the move-in date to your new address.
If you elected to receive your policy documents electronically, you should receive an email within 24 to 48 hours after your policy was purchased online. Please note that incorrect or invalid email addresses will delay the delivery of policy documents.
Otherwise, you should receive your policy documents within 10 days from the time you purchase your policy online.
If you submitted a paper application with payment, you should expect to receive your policy documents within 2 weeks from the time we receive your application payment.
If you opt to receive your policy documents electronically, you will receive your original policy,
declarations page and renewal policy by email. You may change your delivery preference at any time by visiting
www.myassurantpolicy.com. You may also email us at [email protected]. Please include the insured's name,
address and policy number on your request.
If you prefer you may call Customer Service, at 1.800.432.8612, Monday through Friday between 8 a.m. and 8 p.m. ET.
If we send your policy documents by email and it is returned as undeliverable, after 2 electronic attempts, we will make an effort to obtain a better email address to resend your documents. Otherwise we will automatically change your preference on our system and send your policy documents by US Mail within 5 - 10 business days.
No. The property owner's insurance generally covers only the building where you live. There is no coverage for your personal belongings or any liability coverage in the event you are negligent and legally responsible for causing bodily injury or damage to someone else's property.
An Excess and Surplus insurer is one that is not required to be licensed by the state but is allowed to do business in that state. Excess and Surplus insurers are financially stable companies that are regulated by the state in other ways. This only applies to the Liability-Only policy which is sold on a group basis and only residents that are part of such group will be offered this coverage.
Our Renters Insurance Program is offered by a licensed and regulated company in your state.
No. A spouse is automatically insured if he/she is a resident of the same household.
Renters Insurance provides personal property coverage against the perils listed on your policy. Plus it provides liability coverage, which protects you in the event you are legally liable for damages to someone else's property.
A Liability-Only coverage protects you in the event of bodily injury or damage to someone else's property for which you are legally liable. Please note, Liability-Only policy is only sold on a group basis and only residents that are part of such group will be offered this coverage.
Receipts of purchase are the best proof of ownership; however, if not available, pictures of the items with the brand names, serial numbers and models are also acceptable.
No. There is no cancellation fee.
If your personal property is damaged by a covered peril we will pay the cost of replacement of the item without deduction for depreciation. The item(s) must first be replaced before the full replacement cost can be paid.
You could have a $100, $250 or $500 (where available) deductible per occurrence on property coverage. To see which deductible amount is applicable in your state, refer to your coverage selection. Deductibles do not apply to Liability or Involuntary Unemployment Insurance coverage.
Most people's belongings are often worth more than they think. That's one reason why you need Renters Insurance. The question you might ask yourself is, "How much would it cost to replace everything I own?" To find out how much you own, click on the calculator icon next to Personal Property Coverage on the "Quote" page of our main website.
Yes, if the direct force of the wind or hail damages the building causing an opening in a roof or wall and the rain, snow or sleet enters through this opening and causes water damage to your personal property.
If you suffer a loss by a covered peril and your residence is not fit to live in, this policy covers either Additional Living Expenses or Fair Rental Value. Additional Living Expenses means it covers any necessary increase in living expenses incurred by you so that your household can maintain its normal standard of living. Fair Rental Value means it covers the fair rental value of that part where you reside, less any expense that does not continue while the premises is uninhabitable.
No. This policy does not cover water damage as a result of flood, which includes the accumulation of surface water in normally dry land areas, overflow of a body of water, water which backs up through sewers or drains, or water below the surface of the ground.
For more information about flood insurance, contact the National Flood Insurance Program or your insurance agent.
You may also visit www.abicflood.com for more information.
Yes. These are some items with a special limit. These include fine art, jewelry, silverware, stamps, cards, guns, and gold ware. Refer to your policy and forms for a detailed list and limits.
If you purchased a Renters Insurance policy, your cell phones and computers are covered if damaged as a result of a covered peril.
If you purchase a Renters Insurance policy, your items are covered when in storage, but the storage location cannot be used as the insured address. The insured location must be the residence of the insured.
If you purchase Renters Insurance, damages due to mold may be covered. Please refer to your policy for details, including availability, exclusions and limitations.
Once you have purchased your Renters Insurance policy, contact customer service at 1.800.432.8612, Monday through Friday between 8 a.m. and 8 p.m. ET. A friendly customer service representative will be happy to assist you schedule your personal property.
Imagine how much you may have to pay out of pocket if you accidentally start a fire. As a result, most property managers are now requiring evidence of liability insurance when tenants rent an apartment. Liability coverage will pay for damage you accidentally cause to the unit as a result of fire, smoke, explosion and water damage.
Liability coverage pays the community for damage caused as a result of Fire, Smoke, Water Damage and Explosion caused by residents.
Many renters do not realize that they are financially responsible for damage caused to the unit they are renting as a result of their negligence. For example, if you accidentally start a fire in your apartment that causes damage to the building, you are legally responsible for the damage. What if your neighbor upstairs leaves the water running in the tub and it overflows causing damage to your personal belongings as well as your unit? Since your neighbor is responsible for the damage, his liability policy will pay for the damage.
Since your neighbor is responsible for the damage, his liability policy will pay for the damage.
Your financial institution is billed immediately, regardless of the effective date of the policy, for the entire premium if you choose annual pay or for the first installment if you choose a pay plan. Additional installments are billed as follows:
You can pay your premium by choosing one annual payment, 12 monthly payments, or 4 bi-monthly payments. If you choose a payment plan other than annual, a service fee of up to $5 will be included in each installment. The service fee is not included in the initial payment.
For convenience, most customers prefer to have their payments automatically deducted. As a result, at the time of purchase we automatically default to auto pay. If you wish to receive an invoice and pay your premiums at your discretion as scheduled, simply call our Customer Service at 1.800.432.8612 to change your collection method.
The Maryland Department of Insurance requires us to make you aware of other coverages available to you:
This policy does not provide coverage for flooding, surface water that enters the home, or rising water. However, coverage for these types of losses may be available through the Federal Government�s National Flood Insurance Program ("NFIP") or through other sources. More Information
Your standard renter's insurance policy does not cover all risks. You may need to obtain additional insurance to cover loss or damage to your personal property and your liability or to cover the risks related to business or personal activities on your property. In addition to the coverages that are part of the standard Renters Insurance Policy, we offer the following additional coverages that you may choose to purchase by contacting the Company: Coverage for Water Damage, Liability Coverage for Family Day Care providers, Replacement Cost Coverage, Involuntary Unemployment Coverage, Burglary Limitation Credit, and Scheduled Personal Property. Learn More
The Alabama Department of Insurance requires us to provide you with the Bill of Rights below:
ALABAMA POLICYHOLDER BILL OF RIGHTS
ALABAMA ACT NO. 2012-510
The purpose of this Act is to set forth the rights Alabama homeowners have with respect to their insurance policies and with insurance companies. Section 3 of the Act sets out the following minimum standards to be followed by the Alabama Department of Insurance in exercising the Department's powers and duties in regulating insurance companies pursuant to Title 27, Chapter 12, Code of Alabama 1975:
(1) Policyholders shall have the right to competitive pricing practices of insurers as prescribed by applicable federal or state insurance law and regulation.
(2) Policyholders shall have the right to insurance advertising and sales approaches that provide representative information on the policy in accordance with Title 27, Chapter 12, Code of Alabama 1975.
(3) Policyholders shall have the right to assurance that the insurance market in general and their insurance company in particular are financially stable as provided in Section 27-12-7, Code of Alabama 1975.
(4) Policyholders shall have the right to receive service from licensed producers in accordance with Title 27, Chapter 7, Code of Alabama 1975, and to request the license status of an insurance company or producer.
(5) Policyholders shall have the right to a policy as prescribed in Title 27, Chapter 14, Code of Alabama 1975, to receive a complete policy, and to request a duplicate or replacement policy, if needed.
(6) Policyholders shall have the right to receive in writing from their insurance company the reason for any cancellation of coverage and a minimum number of days' notice of cancellation of coverage, subject to applicable federal or state insurance law and regulation.
(7) Policyholders shall have the right to cancel their policy and receive a refund of any unearned premium. If a policy was funded by a premium finance company, the unearned premium will be returned to the premium finance company to pay toward the policyholder's financing loan.
(8) Policyholders shall have the right to a written notification, at renewal, describing changes in their insurance contract language that are applicable to the renewal period.
(9) Policyholders shall have the right, in the event of a claim, to reject any settlement amount offered by the insurance company.
(10) Policyholders shall have the right to select their licensed contractor or vendor to repair, replace, or rebuild damaged property covered by the insurance policy.
(11) Policyholders shall have the right to file a written complaint against any insurance company with the Department of Insurance and to have that complaint reviewed by the Department of Insurance.
(12) Policyholders shall have the right to file a written complaint against any insurance producer with the Department of Insurance and to have that complaint reviewed by the Department of Insurance.
NOTI1197-0213
Generally, the standard renter's insurance policy does not provide coverage for flooding, surface water that enters the home or rising water. However, coverage for these types of losses may be available through the Federal Government's National Flood Insurance Program ("NFIP") or through other sources.
You can obtain information about the National Flood Insurance Program by contacting your insurance company or your insurance agent or by going on the internet to www.FLOODSMART.GOV or by calling 1.800.427.4661. Here are some important facts you should know:
Your standard renter's insurance policy does not cover all risks. You may need to obtain additional insurance to cover loss or damage to your personal property and your liability or to cover the risks related to business or personal activities on your property.
In addition to the coverages that are part of the standard Renter�s Insurance Policy, we offer the following additional coverages that you may choose to purchase: