Shelter apartment owners insurance offers protection for the following covered losses and liabilities.
Covered Losses
- Fire
- Lightning
- Wind or hail
- Explosions
- Damage by non-owned vehicles
- Smoke
- Riot or civil commotion
- Damage by aircraft
- Vandalism
Optional Losses
Shelter's special form coverage protects against accidental direct physical loss. It also can cover the following losses:
- Breakage of glass
- Actions of thieves
- Falling objects
- Weight of ice, snow, or sleet
- Collapse of buildings
- Escape of water from plumbing
- Freezing of plumbing
Covered Liabilities
- Lawsuits based on your negligence
- Property damage liability for fire, explosions, and water
- Medical expenses for others injured on premises
- Damage to others' property
- Damage caused by others' cars
- Personal injury
The product information contained on this website is informational only and not a statement of contract. All coverage options are subject to the provisions of the policy purchased and details of the policyholder's situation. Not all discounts are available in all states. For Colorado policyholders or applicants: Discounts are not available for wildfire risk-reduction work done on your property or community-level safety efforts, such as a neighborhood earning a recognized safety status.