Even though you don't own your own home you have personal property that can be lost to fires, burglaries and even lawsuits.

While most homeowners are insured for these risks, many renters are not. Most landlords do not require renters to buy insurance to protect their personal property, so many do not.

These are some of the types of losses for which your personal property is covered:

• Theft
• Vandalism
• Smoke, if sudden and accidental
• Sudden and accidental discharge of water or steam from plumbing, heating, or air-conditioning system, or household appliance
• Fire or lightning
• Windstorm or hail
• Loss of use

If you rent a home or a mobile home, you need special protection. Our plans can cover you from almost any kind of hazard. You can be protected against damage to the home or adjacent structures and your contents as well.