Renters
Cheap, and still worth reading.
Replacement cost or depreciated value
The difference between the two is most of what you would collect.
Liability travels with you
Personal liability under a renters policy is not limited to the apartment.
The exclusions we read for in this line
| Exclusion | Severity | What it means |
|---|---|---|
| Contents settled at actual cash value | material | Depreciation applies to personal property. |
| Flood excluded | critical | Surface water and storm surge are excluded on every unendorsed HO form. Requires NFIP or private flood. |
The market archetypes we shop in this line
IronKey does not publish carrier names it is not appointed with. These are the program archetypes the exchange shops. When an appointment is executed, the carrier's name and rating appear here.
| Program | Type | A.M. Best | Bind | Note |
|---|---|---|---|---|
| Renters Program A HO-4 |
admitted | A+ (Superior) | instant | |
| Digital Renters Program B HO-4 Digital |
digital mga | A- (Excellent) | instant |
Insurance offered through licensed agents. IronKey Care is an independent insurance agency, not an insurer. Availability and eligibility vary by state.