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Homeowner insurance for rentals, condos, mobile homes, and farms

Renters insurance

If you rent your living space, consider buying renters insurance. You won't be covered by your landlord's policy. A rental insurance policy protects your personal property, including your furniture, jewelry, money, silverware, etc.

Condominium insurance

If you own a condominium, this policy covers your personal unit and property including:

Cabinets	Wall coverings
Fixtures	Appliances
Flooring	Custom features

Your condominium association’s policy covers the main portion of the building and the common areas.

You also can buy loss assessment coverage.  This helps you pay for any assessments the association charges you for losses to the common areas.

We recommend you have liability coverage in case you accidentally damage the other condos, such as accidently causing a fire.

Mobile homeowner insurance

This policy is written specifically for mobile homes and covers the home and its contents. It also includes theft and liability protection.

Farm or ranch policy

Coverage for a farm or ranch is similar to a homeowner policy, but it includes coverage for livestock and farm equipment.

• It typically doesn't provide replacement cost coverage on your dwelling. You have to ask for it.
• It does provide actual cash value coverage, which is the cost to replace damaged or lost property with similar property, minus depreciation.
• You can buy replacement cost coverage for your farm dwelling, but you have to ask for it.
• You must insure crops under a separate policy.

Updated 04/17/2012