If you rent your home, whether it's a house or apartment, you need insurance. You own stuff that you want protected from a fire or theft, right?

The PEMCO Renter Policy protects your personal belongings. It also provides liability coverage if you're responsible for causing property damage, or you injure another person.

For your personal belongings, you can choose replacement cost coverage that pays to replace your lost or stolen things at today's costs. Without replacement cost coverage, depreciation can lessen the amount you recover – perhaps as low as 10% of the new purchase price.