Renters / Condo Insurance protects your personal property against damage or loss and it protects YOU if someone is injured while on your property. When purchasing Renters Insurance, please keep in mind: personal property can be replaced on either a ‘Cash Value or Replacement Cost’ coverage. Actual Cash Value – this will reimburse the renter for the cost of the personal property at the time of claim – minus the deductible. On the other hand, if you had Replacement Cost Coverage, you would be reimbursed the full value of a new sofa (like kind), after you purchase the sofa and submit your receipts. The difference in premium is minimal between purchasing cash value vs. replacement cost – always choose replacement cost coverage

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