Your apartment is home-where you hang out and keep the things that are important to you. We hope you never need to use it, but you can be sure we’ll help protect you if you do!

Just the right coverage for renters:
Because we want you to be covered in every part and at every stage of life, Community Insurance Group provides a special type of homeowner insurance created specifically for people who rent.

You have unique insurance needs, and a tenant policy can help you meet them. We offer robust coverage for personal property and personal liability to ensure that you and your home are protected and insured to meet your lifestyle preferences.

Personal Property Coverage:
With our experience we will ensure that you are confident that your personal belongings are protected. We offer a complete line of insurance products and will work closely with you to tailor policy or group of policies to fit your needs, goals and budgets. Typically, when people think about insurance they think about replacing an electronic (computer, TV) if they were stolen. But what if there’s fire that destroys the entire building, would you have the money to replace everything you own? With Community Insurance Group, we help make sure you and your personal property are protected from events such as:

Fire and Lightning Explosion Riot and Civil Commotion Smoke, Vandalism and Malicious Mischief Windstorm and Hail

Aircraft Vehicles Theft at Residence Falling Objects Accidental overflow of water or sewer (by endorsement only)

We would hate for you to have to pay out of pocket for any of these tragedies. With Community Life Insurance Personal Property Coverage, isn’t nice to know that you are protected from this year’s winter ice storm?

Additional important Personal Property coverages include:

• What if a covered loss causes you to leave your residence? We offer Loss of Use Coverage whereby there is up to 20% of the personal property coverage to secure alternate housing and to pay increased temporary living expenses.
• What if your wallet is stolen and your credit card is forged? Our Credit Card, counterfeit money, and forgery coverage pays up to $500.00 (higher limits available) for theft or unauthorized use.
• What happens when a transformer blows up and you experience a week long power outage? We will cover personal property for loss due to temperature changes resulting from power interruption.
• As long as there is damage to the residence caused by a covered peril, rest assured, Community Insurance Group will cover your property.

Liability Coverage to Safeguard You:

• What if you forgot to blow out that candle and your building caught on fire?
• Could you pay for the damages you would be liable for?
• What if someone is injured at your residence, would you have enough money to cover their medical expenses?

With scenarios like these Community Insurance Group’s liability coverage, provides protection against injury to others or destruction of others’ property, including medical expenses, ambulance charges, hospital expenses and even the cost of a registered nurse.

What is Protected?:

• Our Personal Liability coverage protects you and your spouse or any relatives living with you and anyone under age 21 in your care
• Protection against claims you’re legally obligated to pay such as bodily injury, sickness, disease and death of others
• Payment costs of defending claim against you (specific to policy)
• Damage to property of others
• First aid expenses of others resulting from an accident on your property