Covered Losses & Liabilities | Rental Dwelling Insurance | Shelter Insurance®

Covered Losses and Liabilities

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Shelter dwelling insurance for rental property 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

Optional Losses

  • Vandalism
  • 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
  • Earthquake (not available in all areas)

Covered Liabilities

  • Medical expenses for others injured on premises
  • Landlord liability

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.