Your vintage cello has been with you for years, and seems to be irreplaceable. For certain belongings like musical instruments, additional protection may also be needed.
Contents replacement cost coverage - Pays the replacement value on property damaged by a covered loss with no deduction for depreciation, subject to policy limits and your deductible.
Valuable Items Plus - Provides higher limits for special property such as jewelry, cameras, firearms, musical instruments, and home computers for an extended variety of losses.
Additional living expenses
If you're forced out of your apartment by a covered hazard, additional living expense coverage pays for necessary additional expenses such as hotels, meals, laundry, etc whle your damaged apartment is being repaired.
Everyone likes to customize their home, and redecorating can be expensive. With a renters and condo owners policy, you may apply up to 10% of your contents coverage to repair or replace damaged improvements.
Renters and condo-owner policies are very affordable and great investment.