The General does not offer renters insurance. It focuses on car insurance, particularly for drivers that have a history of driving violations or accidents, as well as those who have not kept their insurance in force or have poor-to-fair credit.
Although The General does not have renters insurance, its parent company does. The General was acquired in 2012 by American Family Insurance (AmFam). AmFam sells renters insurance for apartments, duplexes and single-family homes. AmFam renters insurance 1) covers losses of personal possessions from theft, fire, smoke, water, mold or weather damage, 2) pays additional living expenses if your rental becomes temporarily unlivable, and 3) protects you from liability costs if someone gets injured at your home.
AmFam renters insurance policies are often less than $15 a month. You can get a personalized quote on the AmFam website. The cost will vary depending on your location, type of residence, coverage limits and deductible amount. It also may be higher if you add personal property replacement cost coverage. This coverage pays you the replacement cost of lost personal property instead of the current value. For example, even if your old couch is only worth $50 today, replacement cost coverage will pay you enough to buy a new, comparable couch.
AmFam also offers add-on coverages that may be useful to renters. They include additional jewelry coverage, pet insurance and home-based business protection.
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