Why do I need insurance?
Fire, windstorm, roof leak or burglary can happen anywhere and to anyone. Although
you have chosen a safe and secure place to live, your landlord is probably not responsible
for damage that may occur to your property.
Your belongings are covered up to the limits you choose against accidental and unexpected
damage. The policy provides coverage for losses including fire or theft, or water
damage from plumbing overflow or roof leaks. There is a $250 deductible. Please
refer to the policy form for details.
Earthquake coverage is offered only in California. Your personal property coverage
is subject to a maximum amount of $5,000 and subject to a deductible of $750. You
are also covered for up to $1,500 of additional living expenses (with no deductible)
if you are unable to live in your apartment because of an earthquake.
We cannot cover motor vehicles, animals, land, or buildings. Some limitations and
restrictions also apply, such as special limits for jewelry and certain kinds of
collectibles. Please refer to the policy form for details.
Additional Living Expense:
When you have to leave your residence because of an insured loss, we will reimburse
you for extra expenses. This coverage, called Additional Living Expenses, is paid
from your Property Limit. Please refer to the policy form for details.
This important coverage provides protection, including costs to defend you, if you
are accused of accidentally causing injury to someone or damage to someone else's
property. This type of coverage involves your personal actions and does not extend
to auto-related or business-related injury or damage. Please refer to the policy
form for details.
Not everyone in your apartment is covered. Coverage is provided to everyone named
on the policy and their immediate families if they are residents of the apartment.
If, for example, you are sharing the apartment with a friend, that friend is not
covered under your policy unless the friend is specifically named on the policy.
Who is the Insurance Provider?
Deans & Homer is the underwriting manager for Sirius America Insurance Company, Aspen America
Insurance Company, and the Fidelity and Deposit Company of Maryland, the issuing
companies for the Renter’s Insurance program.
What if I move?
Our renter’ insurance program and personal liability insurance program are designed
to provide insurance for pre-underwritten and pre-approved apartment communities.
If you move to another apartment within a pre-approved community or to an apartment
at another pre-approved community, you may continue your insurance coverage with
us, but you should notify us of any changes in your address and contact information.
If you move away from a pre-approved community, your insurance protection will follow
you to your new address during a transition period, but you will want to make arrangements
for replacement of this coverage. If you have a full renter’s insurance policy that
includes coverage for your personal property, your coverage will continue at its
full limit for up to thirty (30) days from the time you begin to move property to
your new address. After thirty days, the limit of coverage for your personal property
at your new address will drop to $5,000. Personal liability coverage, including
coverage for negligently caused damage to a rented apartment covered by your policy
will apply to a newly acquired residence for the remainder of the policy term after
These temporary extensions of coverage are provided to give you time to purchase
replacement coverage and cancel your insurance with us when you move away from a
pre-approved apartment community. We will refund any unearned premium for policy
coverage that you have purchased in advance of your move when you cancel your policy.
You can continue to be insured through us if you are moving to a comparable apartment
in AZ, CA, NM, OR, or UT. address (if you are moving and have any return
premium due to you).
How do I cancel my policy?
We need your written authorization to cancel your policy. You may
provide this authorization to us by mail, by fax, or online. You do not need to
include any reason why you are requesting that your policy be cancelled, but we
will need to know your name, your policy number,
the date you want your policy cancelled, and your forwarding
address (if you are moving and have any return premium due to you).
Deans & Homer
PO Box 2839
San Francisco, CA 94126
Create an account and complete the cancellation form: