Renters Insurance

Dwelling (Cov A) Not applicable

Separate Structures (Cov B) Not applicable

Personal Property (Cov C) Restores/Replaces your personal property if damaged or stolen due to a covered peril. Coverage begins after chosen deductible. This is calculated as a percentage of the dwelling amount. Companies may use different percentages, and some allow adjustments. Some personal property may need to be scheduled based on the company.

Loss of Use (Cov D) Supplements living expenses if you cannot live in your home due to a covered peril. Coverage begins after chosen deductible. This is calculated as a percentage of the dwelling amount. Companies may use different percentages, and some allow adjustments.

Personal Liability (Cov E) Pays for judgments against you, or legal fees to defend against a judgement . Deductible does not apply. You want your liability to equal or exceed your suable assets. If you need more liability to do so, you can choose an umbrella policy.

Guest Medical (Cov F) Paid medical expenses incurred by guests, up to the limits of the policy.

Law/Ordnance: Not applicable

Extended Dwelling: Not applicable

ID Fraud: Pays to restore identity in the event of ID theft.

Sewer drain back up: Restores damage caused by sewer/drain back up. Coverage begins after chosen deductible. Some companies may assign a specific deductible for this coverage.

Coverages (HO4) Suggested minimums
Dwelling (Cov A) NA
Separate Structures (Cov B) NA
Personal Property (Cov C) Cost to replace your property
-Scheduled personal property Guns; Furs; Jewelry; Collectables; Art; Antiques; Coins;
Bullion; Musical Instruments; Computers
Loss of Use (Cov D) 25% of coverage A or ALS or 24 months
Personal Liability (Cov E) $500,000
Guest Medical (Cov F) $5,000
Law/Ordnance NA
Extended Dwelling NA
ID Fraud $1M with ID shield (Shahn Christensen)
Sewer drain back up $20,000

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Contact Us

Client's Choice Insurance
2918 Austin Bluffs Pkwy
Suite #200
Colorado Springs, CO 80918
Phone: (719) 574-0018

BUSINESS HOURS

M-F: 8:00 am - 4:00 pm
SAT: Upon Request
SUN: Closed

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