

You should contact the insurance company or insurance agent directly for applicable quotes.We are an independent, advertising-supported comparison service. Any rates listed are for illustrative purposes only. This content is not, and should not be considered to be, a recommendation to homeowners insurance products generally or an endorsement of a particular insurer or product. For more information about any of the companies or products profiled herein, or to inquire about the purchase of insurance, please contact the insurance company, an insurance agent or a financial advisor. Some coverages, discounts and features may not be available in all states. News nor the individual writers of this content are licensed to sell or advise on insurance products. News) prepared this content about insurance companies for general informational purposes only. When you use our links to buy products, we may earn a commission but that in no way affects our editorial independence. News 360 Reviews takes an unbiased approach to our recommendations. Allstate offers flood insurance, which you can purchase as a separate policy through the National Flood Insurance Program. An umbrella policy provides liability protection beyond the limits of regular policies.

A personal umbrella policy may help prevent renters insurance policyholders from paying out-of-pocket for medical or legal bills if they’re found responsible for damages in certain situations. As an optional add-on to a renters insurance policy, scheduled personal property covers more risks (such as accidental loss) and may increase the coverage limits on specific, high-value items like jewelry or musical instruments.

While a standard policy typically covers a renter’s personal property, it will only pay up to a certain limit for some types of valuables. This helps cover legal fees, lost wages, and other related expenses incurred to recover your identity if your personal data has been compromised.
