Covered Losses & Liabilities | Apartment Owners Insurance | Shelter Insurance®

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Covered Losses and Liabilities

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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.