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Your designer jacket? To the fire spreading across the hall, it just burns a bit slower than your jeans. There is someone who'd truly appreciate it, though. A burglar. Whichever comes first, stay protected through Waffle.
You’re protected against burglary, fire, lightning, tornadoes, hail damage, explosions, smoke, and vandalism, among other things.
As part of your Liability coverage, you're also covered for certain costs in this category, up to your set policy limits. This includes medical payments & property damage payments to others.
If the property you rent becomes uninhabitable. That could include hotel bills, meals, and other expenses that you rack-up while maintaining your usual living standards.
Replacement costs covers the full cost to either repair an item or buy a new one. Without the option, the base policy uses actual cash value which is equal to the replacement cost less depreciation.
That means bodily injury that happens to others at the rental property and/or property damages.
Theft Protection covers your stuff if it's damaged or stolen at home or while out and about. Please note that exclusions apply to certain items.
(1) This Program will have a credit for a preferred property in most states. To be eligible for the Preferred Property credit, the property must meet one of the following:
* Lease or rental agreement provisions require residents to have renters insurance; or
* Apartment community must meet the following criteria: Property must be more than 100 units at the same location. Property must have a paid resident manager living on site. Property must be well maintained with no special hazards and professionally managed. Gated security or other community protection measures may be required in urban areas. Facility age should not exceed 20 years without substantial updating.
(2) Includes a $1,000 wind/hail deductible. A wind deductible is not allowed in AR, CT, GA, NY, NJ, or OK.
