Stolen laptop. Water-logged furniture from an overflowing toilet. Replacement costs can add up fast, and renters need sufficient coverage that adds up, too. When the unexpected happens, Universal has a plan for that.

Insuring the structure of a rental unit is the landlord's responsibility. But what about the personal property and valuables inside? Damage or theft could render electronics, furnishings and clothing a total loss. A fire or other catastrophe could make temporary housing an unwanted necessity. Universal North America has a policy designed to give renters the specific coverage they need at a price that makes sense.

Universal North America's standard renters policy offers serious protection, including:

• Personal Property and Valuables We offer the replacement value for personal belongings such as clothing, furniture, appliances, jewelry, furs and heirlooms up to policy limits.
• Medical Payments We take care of medical expenses for anyone outside the household who is injured while visiting.
• Personal Liability Insurance We cover claims for property damage or bodily injury for which the renter is legally responsible.
• Loss of Use We pay for any costs above normal living expenses if damage prohibits the family from living in their rental unit. Solid coverage under Universal's standard policies.

Whether you own or rent, you can depend on Universal North America. Ask your agent for policy availability and details.

Coverage available for additional cost.

Managing your policy is easy with Universal's special website feature, My Universal. Make payments and gain access to important policy documents online at http://www.uihna.com/signup/.

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