Below are answers to questions you may have about renters insurance. If you have additional questions, please contact Customer Service toll-free at 1-866-654-9900.
1. I don't own very much, why would I need renters insurance?
You might be surprised at the value of your property – TV, stereo, furniture, clothing, etc. Use the personal property calculator to estimate the total value of your possessions. Can you afford to replace them without insurance?
2. What is covered under renters insurance?
This policy provides valuable replacement cost protection for your personal property including clothing, electronics, jewelry, furniture and other personal items from specified types of loss. It also provides coverage for personal liability made against you for bodily injury or property damage. There are coverage options which you can select if you want a higher level of protection for some of your more valuable items including artwork and jewelry. To view a sample of our policy, click here.
For residents that do not want coverage for their possessions, a liability only policy may be available. Please view a sample of this policy by clicking here, and call 1-866-654-9900 with any questions. Availability is limited, and please note this liability only policy option does not include coverage for your possessions.
3. What is the difference between contents and liability insurance?
Contents insurance covers your personal possessions from loss or damage resulting from covered perils. Liability insurance will typically cover you for unintentional injury or damage caused to another person and their property, as well as for damage to the apartment home or community.
4. When will I be insured?
If you have enrolled on the same day as the effective date, your policy will become effective at 12:01 AM on the date following the enrollment date. If you have entered a future date as the effective date, then your policy will become effective at 12:01 AM on that date.
5. What is the maximum amount of insurance that I can purchase?
The maximum coverage amount of insurance that you can purchase may vary by state and community, so please refer to the website for the maximum coverage.
6. How much does renters insurance cost?
The cost varies by the coverage you select and your state of residence. Once you have selected your coverage options, you will receive a premium quote for the proposed coverage.
7. What insurance industry rating has First American Property & Casualty Insurance Company earned?
First American Property & Casualty Insurance Company has earned an "A" (excellent) rating from A. M. Best. This is a very strong rating, assigned to companies which have, on balance, excellent financial strength, operating performance and market profile when compared to the standards established by the A.M. Best Company. The objective of A.M. Best's rating system is to provide an opinion as to an insurer's financial strength and their ability to meet ongoing obligations to policyholders.
8. What if I change my mind and want to cancel coverage?
You can cancel at any time. We will refund your paid premium on a pro-rata basis. You can request cancellation by entering “My Policy Sign-in” at the top right of each screen, or in writing by mail or fax to:
First American Property & Casualty
ATTN: Customer Service and Payments
P.O. Box 1679
Santa Ana, CA 92702-1679
9. How will I be billed?
If you used a credit card to purchase the policy, the credit card will be charged 10 days prior to the due date according to the payment plan selected. For example:
Monthly—each month, 10 days prior to the due date
Quarterly—every 3 months, 10 days prior to the due date
Bi-annually—every 6 months, 10 days prior to the due date
Annually—each year, 10 days prior to the anniversary date
If you choose to pay by eCheck or Western Union, the annual payment must be received by First American before the policy can be issued.
10. Are hurricanes covered?
Generally, yes. Windstorm is a covered peril. In some states such as Florida, hurricane coverage is available only for certain areas and not for others. However, personal property contained in a building and damaged by rain, snow, sleet, sand or dust would only be covered if the direct force of wind or hail damages the building causing an opening through which the rain, snow, sleet, sand or dust can enter. Limitations also apply to water craft and trailers. See policy for complete details.
11. I live in Florida. What do the terms AOP, HUR and ORL mean?
AOP stands for All Other Perils deductible. It is the deductible associated with all other perils except hurricanes. HUR is the deductible associated with a loss resulting from a hurricane. ORL stands for Ordinance or Law coverage based on the amount of building additions and alterations coverage when repairing or replacing a dwelling after a covered loss.
12. What type of coverage is provided for jewelry, guns, computers and printers, radios, TVs, stereos, video cameras, camera equipment and silverware?
This policy provides coverage, up to the stated policy limit, for these items if they are damaged but limits the amount we will pay if these items are stolen.
13. Is my roommate covered under this policy?
The roommate must be specifically named as an insured on the policy. Otherwise, unless that person is a relative they would not be covered and should purchase their own renters insurance.
14. What about items in my garage or in a storage unit?
Your property is covered anywhere in the world. However, if the loss occurs away from the residence premises, your coverage will be limited to 10% of the policy limit or $1000, whichever is greater.
15. Are art collectibles such as dolls or figurines covered?
Yes, we would cover these items, up to the policy limit, but not on a replacement cost basis. Items such as collectibles would require a written appraisal prior to coverage.
16. Is there any coverage for business use or business property?
No, this policy applies to personal property only.
17. Is cash covered?
Yes, cash is covered up to $200.
18. Is my personal property covered while I am moving from one residence to another?
Yes, for 30 days after you begin to move, the policy recognizes your new residence as an insured location.
19. Will the landlord's insurance cover my losses?
Generally, insurance carried by the landlord only covers property damage not your personal belongings or your personal liability. With our Renters Insurance Select, your personal property is protected up to the coverage amount you elect. The amount may vary depending on your location but you generally can elect up to $50,000 in personal property coverage..
20. What happens to my renters insurance policy if I move?
You should cancel your policy when you move. This program is available to residents of specific communities only. If you are moving to a community where this program is available, you will be provided with the necessary sign-up information.
21. If I have questions, whom do I call?
If you have any questions, call First American Property & Casualty Insurance Company. Their Customer Service team can be reached Monday through Friday from 9:30 AM to 6:00 PM (EST), and Saturday from 9:30 AM to 6:00 PM. The toll-free number is 1-866-654-9900.
22. What do I do if I have a claim?
Twenty-four hours a day, seven days a week, simply call the Claims Desk at First American Property & Casualty Insurance Company toll-free at 1-866-654-8800. Claims personnel also can provide assistance in Spanish.