RENTERS INSURANCE PROTECTING YOUR DREAMS

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1 RENTERS INSURANCE PROTECTING YOUR DREAMS

2 You ve Always Dreamed of Your Own Things, in Your Own Place A Place You Call Home Think of how your personal possessions turn the space you rent into a place that s uniquely yours. Now consider how much it would cost to replace or repair the belongings you love, not to mention the things you need, if they were to be damaged, destroyed, or stolen. Protect it and your dreams with Renters Insurance from American Family Insurance. Protecting what belongs to you is a smart thing to do. Typically, the landlord s insurance doesn t cover your belongings. Your American Family agent is there to help make sure your coverage needs are met, your questions answered and any claims are handled quickly. Welcome home. Protection customized to meet your needs. Renters Insurance from American Family Insurance is surprisingly affordable. Plus your American Family agent can help you select the coverage options for your policy to make sure your specific coverage needs are met. How much protection do I need? The value of your personal property can add up quickly. Check out the DreamVault to create a room-by-room inventory of your belongings. Accessible by computer or smart phone at amfam.com/dreamvault. Then, you can get a quick estimate for renters insurance at amfam.com. Your American Family agent can help you if you have any questions about the amount of personal property coverage that s right for you. Let s get started.

3 Protect your Home and Possessions Property Coverage While protecting the building is your landlord s responsibility, protecting your personal property is what renters insurance is for. Property coverage ensures you ll have the means to return your possessions back to normal should there be any damage from events such as these: Other Covered Losses Our renters policy includes broad protection beyond the events and perils listed to take care of you and your property. Credit/Debit Card, Forgery or Counterfeit Money (due to theft or unauthorized use) Fungi (Mold) or Bacteria Inflation Protection Unlivable Conditions Additional Living Expense Fair Rental Value Fire Theft Water Damage from Plumbing, Heating or Cooling System* Power Surges to Electronics and Appliances You Own An American Family Insurance renters policy isn t limited to just these events. It also helps cover your personal property if damaged from smoke, lightning, windstorm, hail, explosion, vandalism, or riot. Your American Family Insurance Homeowners policy does not provide coverage for flooding or rising water. Flood insurance may be available through the National Flood Insurance Program (NFIP). * Your policy excludes water damage from any source when water comes into your home. Your policy excludes water damage due to sewer back-up, and sump overflow unless special coverage is purchased for this type of loss. Please see your agent for details on this coverage. American Family Insurance is a participating company in the National Flood Insurance Program (NFIP). NFIP is managed by the Federal Emergency Management Agency (FEMA), a component of the U.S. Department of Homeland Security (DHS). Flood insurance is a separate policy underwritten by NFIP.

4 Customize to Meet Your Needs TAKE INVENTORY The value of your personal property can add up quickly. Check out the DreamVault to create a room-by-room inventory of your belongings. Accessible by computer or smart phone at amfam.com/dreamvault. Then, your American Family agent can help you fill in any of the gaps between the coverage provided and the coverage you need. Let s go through your specific needs. You are covered up to your Personal Property (Coverage B) limit for the items below. Antiques Art Collectibles Electronics Game Systems Musical Equipment Sound Systems Sport Equipment Your policy provides limited coverage for these items up to the limit below. Our Gold Star Renters coverage is designed to provide extra protection or additional coverage in one affordable package. Asset Coverage limit Gold Star Renters Jewelry, Gemstones, Watches and Furs $1,000 total $1,500 per item; $2,500 total Damage to Property of Others $500 per occurrence $1,000 per occurrence Lock and Garage Door Remote Replacement Not available Included Personal Property Replacement Not available Included Protect Yourself Liability Coverage Accidents happen and as a renter, you can be held liable for injuries to guests and others, that occur in your home due to unsafe conditions or unfortunate circumstances. Your policy can help provide financial protection against covered liability claims and lawsuits brought by others for accidental bodily injury or damage to their property caused by your personal activities, your children or your pets. Acts of the Insureds Pets Claim and Defense Expenses Liability Due to Unpaid Volunteer Services Liability to Others Negligent Acts of the Insureds Children

5 Choose Your Optional Coverages Our Renters policy helps provide a broad level of protection for you and your home. Plus many coverage options for your policy to help make sure your specific coverage needs are met let s get started building your customized coverage. Popular Coverage Options Back-up of Sewer and Sump Pump Overflow Coverage Identify Fraud Expense Coverage (reimburses you up to $25,000 for expenses associated with identity restoration) Coverage B (Personal Property) Increased Limits Coverage on Specific Property (increases coverage limit on a personal property category) Personal Property Replacement Cost Coverage Scheduled Personal Property Coverage (broadens coverage for a single item) Other Coverage Options Earthquake and Volcanic Eruption Coverage Home Day Care Coverage Office, School, or Studio Use (provides coverage for an incidental office, school or studio use in the home) Personal Injury (adds liability coverage for libel, defamation or slander) Pleasure Horse and Equipment Coverage How you can Save We realize saving time and money is important to you. Save more by putting all your protection under one roof. American Family s bundled insurance discounts involving home and auto insurance, as well as life insurance and motorcycle insurance, can help keep more money in your pocket. We take the time to make sure you get all the discounts you are eligible for you get great coverage and save money too. More than Just Renters Insurance It may be part of our name, but American Family does a lot more than insurance. We care about our customers safety and feel that it s important to reward insureds with our Home Security and Fire Protection Discount. With these preventative measure services, you ll enjoy the security of knowing that we re watching out for you and your family. Tornado Warning Service we ll contact you when a tornado warning has been declared in your area. Go to amfamalerts.com for details. Interactive Home an online home safety inspection checklist for renters. Visit amfam.com for home safety and advice on how you can better protect your belongings and your family s financial well-being.

6 Defining Your Policy Coverages Here s a brief explanation of the various coverages on your policy declarations page. Coverage B: Personal Property Covers your personal belongings, including furniture, clothing and appliances you own, if they are stolen, damaged, or destroyed. Coverage C: Loss of Use Pays for additional living expenses if your home is uninhabitable due to a covered loss. Coverage D: Personal Liability Protects you against financial loss if you are sued and found legally responsible for someone else s injury or property damage. Coverage E: Medical Expense Covers medical payments to others, regardless of your legal responsibility. To Report A Claim When your home is insured with American Family Insurance, you have a team of professionals behind you, including an agent who knows you and claim representatives who specialize in helping people through very difficult times. You may report a claim through your agent, online at amfam.com or by calling our 24-hour claims line at MY AMFAM ( ).

7 ALL YOUR PROTECTION UNDER ONE ROOF AUTO HOME BUSINESS LIFE Visit amfam.com to find an agent near you for a FREE no-obligation Personal Insurance Review. The trusted advice of an American Family Insurance agent will give you the confidence and security to pursue your dreams, no matter how they change along the way, and make sure that you have protection for everything that matters most to you. We offer a variety of insurance products to cover you, and your family, at every stage in life. Talk to an agent to find out which discounts you may qualify for and other ways to save! This brochure represents only a brief description of coverages and is not part of your policy. Insurance policy terms and conditions may apply. Coverage features and limits vary by state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. Please check with your agent and read the policy for exact details on coverages and exclusions. Annuities and life insurance policies are issued by American Family Life Insurance Company other products are underwritten by American Family Mutual Insurance Company, American Family Insurance Company, American Standard Insurance Company of Ohio and American Standard Insurance Company of Wisconsin, 6000 American Parkway, Madison, WI Printed on recycled paper. Please recycle. ADP CLASSIC 08/