Agent Portal: UPC: Renter's - Milestone Insurance

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Included, Optional Coverage, Discounts
Home Manual

Included

Renter’s Contract Special Provisions

Personal Property

Covers the contents within the dwelling.

Perils Insured against:

Fire or Lightning.
Windstorm or Hail.
Explosion.
Riot or Civil Commotion.
Aircraft.
Vehicles.
Smoke.
Vandalism or Malicious Mischief.
Theft.
Falling Objects.
Weight of Ice, Snow, or Sleet.
Accidental Discharge or Overflow of water or steam.
Sudden and accidental tearing apart, cracking, burning, or bulging.
Freezing.
Sudden and accidental damage from artificially generated electrical current.
Volcanic Eruption.

Special Limits

$1,500	Jewelry, Watches and Furs. Portable Electronic Equipment in or upon a motor.
$200	Money
$2,500	Silverware, Goldware and Pewterware. Firearms.

Loss of Use

Covers the additional living expenses.

Personal Liability

Up to $500,000.

Medical Payments

Covers the medical expenses you may be liable for.

Additional Coverage

Ordinance or Law: Included at 10%.
Debris Removal.
Reasonable Repairs.
Trees, Shrubs, and Other Plants: Perils covered against: Fire or Lightning; Explosion; Riot or Civil Commotion; Aircraft; Vehicles not owned or operated by a resident of the “residence premises”; Vandalism or Malicious Mischief; or Theft. $500 a tree.
Fire department service charge up to $500.
Property Removed.
Credit Card, Electronic Fund Transfer Card, or Access device, forgery and counterfeit money. Up to $500.
Loss assessment up to $1,000.
Collapse.
Glass or Safety Glazing Material.
Landlord’s furnishings up to $2,500.
Grave Markers up to $5,000.

Deductibles

Available deductibles: 1%, 2%, 3%, 5% $2500, $1000, $500 for all perils including wind and hail.

Optional Coverage

Increased Special Limits	Up to $6,500 (not exceeding $1000 per article): Jewelry, Watches, and Furs. Up to $1,000: Money. Up to $3,000: Silverware, Goldware and Pewterware. Up to $6,500: Firearms. Up to $6,000: Portable Electronic Equipment in or upon a motor vehicle.
Coverage to rented residences	Can be endorsed to extend liability coverage to rented premises.
Animal Liability View Endorsement	Can be endorsed to add animal liability. Up to $500,000.
Golf Cart Coverage	Can be added to provide liability to golf carts on the premises.
Home Computer	Provides coverage for computer equipment up to $20,000.
ID Theft	Provides coverage for identity theft expenses. Up to $25,000. No deductible applies.
Other locations occupied by insured	Can extend liability to other locations the insured occupies.
Other members of the household:	Can be endorsed to add coverage for other members of the household.
Other structures rented to others	Can be endorsed to add liability coverage for structures the insured rents on the property.
Personal Injury	Can add up to $500,000. Coverage includes offenses such as false arrest, detention or imprisonment, libel, slander, defamation of character, invasion of privacy, and wrongful eviction or wrongful entry.
Replacement cost loss settlement personal property	Adds replacement cost loss settlement on contents.
SPP	Property you can schedule: Antiques, Bicycles, Cameras, Coins, Fine Arts, Furs, Golfers Equipment, Guns (Up to $10,000 per item, class limit of $20,000), Jewelry (Up to $25,000 per item), miscellaneous personal property, musical instruments, other sports equipment, silverware, stamps. You can schedule up to a maximum $150,000. Appraisal within 5 years is required if an item is over $10,000 in value. If the total schedule is over $25,000 the home will require a central burglary alarm.
Student Away from Home	Extends liability to a student away from home.
Loss Assessment Coverage	Optional limits include $5,000 or $10,000.

Discounts

Age of home	Younger the home the better the discount.
Age of insured	Older the client better the discount.
Hip roof	Available if the dwelling has a hip roof. “A roof having sloping ends and sides meeting at an inclined projecting angle.”
Other business	Available without providing proof of other business with agency. Flood policies with UPC include discount.
Mortgagee Bill	Lower premium if the account is paid by a mortgage company. Also available if the insured pays in full.
Alarm	Available if the insured has a direct, central, or local alarm. Central is the highest discount. Proof must be provided.
Sprinkler	Available if the home has a sprinkler system.
Gated community	Available if the neighborhood is gated.