American Family renters insurance coverage protects you from the following events:

• Fire and wildfire
• Hail
• Lightning
• Tornado
• Frozen interior plumbing
• Smoke
• Weight of snow and ice
• Medical expenses
• Claim and defense expenses
• Acts of your children and pets
• Power surges
• Theft and vandalism

By choosing a renters insurance policy from American Family, you and your home will receive coverage in the following five areas:

1. Personal Property Coverage

This covers the repair or replacement of your belongings that are damaged due to a covered event. For example, if your roof caves in because of the weight of snow accumulation and ruins your laptop, personal property coverage will cover the cost of replacing the device.

The quote we received from American Family included $15,000 (Economy Tier), $25,000 (Traditional Tier), and $50,000 (Premier Tier) for personal property coverage.

2. Medical Expense Coverage

This covers the medical bills of people who are injured inside or outside of your rental unit.

The quote we received from American Family included $5,000 (Economy Tier/Traditional Tier) and $10,000 (Premier Tier) for medical expense coverage.

3. Personal Liability Coverage

This coverage protects you from liability if you’re sued for injuring someone else or their property.

Our quote from American Family included $300,000 (Economy Tier/Traditional Tier) and $500,000 (Premier Tier) for personal liability coverage.

4. Loss of Use Coverage

Loss of use coverage pays for your hotel or food bills if your home becomes uninhabitable due to an unexpected, covered event.

The quote we received from American Family included $4,500 (Economy Tier), $7,500 (Traditional Tier), and $20,000 (Premier Tier) for loss of use coverage.

5. Identity Fraud Expense Coverage

If you fall victim to identity theft, this coverage helps protect you from the high costs associated with restoring your identity.

Here’s the amount of coverage you can purchase for each protection category: