Agent Portal: UPC: Renter’s

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Included, Optional Coverage, Discounts
Home Manual


Renter’s Contract Special Provisions

Personal Property

  • Covers the contents within the dwelling.

Perils Insured against:

  • Fire or Lightning.
  • Windstorm or Hail.
  • Explosion.
  • Riot or Civil Commotion.
  • Aircraft.
  • Vehicles.
  • Smoke.
  • Vandalism or Malicious Mischief.
  • Theft.
  • Falling Objects.
  • Weight of Ice, Snow, or Sleet.
  • Accidental Discharge or Overflow of water or steam.
  • Sudden and accidental tearing apart, cracking, burning, or bulging.
  • Freezing.
  • Sudden and accidental damage from artificially generated electrical current.
  • Volcanic Eruption.

Special Limits

  • Jewelry, Watches and Furs.
  • Portable Electronic Equipment in or upon a motor.
  • Money
  • Silverware, Goldware and Pewterware.
  • Firearms.

Loss of Use

  • Covers the additional living expenses.

Personal Liability

  • Up to $500,000.

Medical Payments

  • Covers the medical expenses you may be liable for.

Additional Coverage

  • Ordinance or Law: Included at 10%.
  • Debris Removal.
  • Reasonable Repairs.
  • Trees, Shrubs, and Other Plants: Perils covered against: Fire or Lightning; Explosion; Riot or Civil Commotion; Aircraft; Vehicles not owned or operated by a resident of the “residence premises”; Vandalism or Malicious Mischief; or Theft. $500 a tree.
  • Fire department service charge up to $500.
  • Property Removed.
  • Credit Card, Electronic Fund Transfer Card, or Access device, forgery and counterfeit money. Up to $500.
  • Loss assessment up to $1,000.
  • Collapse.
  • Glass or Safety Glazing Material.
  • Landlord’s furnishings up to $2,500.
  • Grave Markers up to $5,000.


  • Available deductibles: 1%, 2%, 3%, 5% $2500, $1000, $500 for all perils including wind and hail.

Optional Coverage

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Increased Special Limits
  • Up to $6,500 (not exceeding $1000 per article): Jewelry, Watches, and Furs.
  • Up to $1,000: Money.
  • Up to $3,000: Silverware, Goldware and Pewterware.
  • Up to $6,500: Firearms.
  • Up to $6,000: Portable Electronic Equipment in or upon a motor vehicle.
Coverage to rented residences
  • Can be endorsed to extend liability coverage to rented premises.
Animal Liability

View Endorsement

  • Can be endorsed to add animal liability. Up to $500,000.
Golf Cart Coverage
  • Can be added to provide liability to golf carts on the premises.
Home Computer
  • Provides coverage for computer equipment up to $20,000.
ID Theft
  • Provides coverage for identity theft expenses. Up to $25,000. No deductible applies.
Other locations occupied by insured
  • Can extend liability to other locations the insured occupies.
Other members of the household:
  • Can be endorsed to add coverage for other members of the household.
Other structures rented to others
  • Can be endorsed to add liability coverage for structures the insured rents on the property.
Personal Injury
  • Can add up to $500,000.  Coverage includes offenses such as false arrest, detention or imprisonment, libel, slander, defamation of character, invasion of privacy, and wrongful eviction or wrongful entry.
Replacement cost loss settlement personal property


  • Adds replacement cost loss settlement on contents.
  • Property you can schedule: Antiques, Bicycles, Cameras, Coins, Fine Arts, Furs, Golfers Equipment, Guns (Up to $10,000 per item, class limit of $20,000), Jewelry (Up to $25,000 per item), miscellaneous personal property, musical instruments, other sports equipment, silverware, stamps. You can schedule up to a maximum $150,000. Appraisal within 5 years is required if an item is over $10,000 in value. If the total schedule is over $25,000 the home will require a central burglary alarm.
Student Away from Home
  • Extends liability to a student away from home.
Loss Assessment Coverage
  • Optional limits include $5,000 or $10,000.


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Age of home
  • Younger the home the better the discount.
Age of insured
  • Older the client better the discount.
Hip roof
  • Available if the dwelling has a hip roof. “A roof having sloping ends and sides meeting at an inclined projecting angle.”
Other business
  • Available without providing proof of other business with agency. Flood policies with UPC include discount.
Mortgagee Bill
  • Lower premium if the account is paid by a mortgage company. Also available if the insured pays in full.
  • Available if the insured has a direct, central, or local alarm. Central is the highest discount. Proof must be provided.
  • Available if the home has a sprinkler system.
Gated community
  • Available if the neighborhood is gated.


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