Tenantcover

Your apartment is as much of a home as a house is. ERIE's Tenantcover Policy safeguards your:
  • Personal property wherever it may be.
  • Loss of use, which covers the additional living expenses you incur due to temporary relocation.
  • Personal liability for bodily injury, property damage or personal injury claims brought against you anywhere in the world.
  • Medical payments to others who are injured in an accident arising from your premises or personal activities.

Xtra Features

The Tenantcover Policy protects you with over 50 Xtra Features, including:
  • Coverage up to $2,500 for loss due to theft, forgery or unauthorized use of a credit card and unknowingly accepting counterfeit money.
  • Payment up to the personal property limit for loss to contents of a refrigerator or freezer from either power or mechanical failure.
  • Coverage up to $3,000 for theft of jewelry, watches and furs.
  • Reimbursement for fire extinguisher recharge after a fire loss.
  • Payment for replacement of automatic garage door transmitters which have been stolen. Coverage is also provided for cost to reprogram the frequency on additional transmitters and/or the control unit box.
  • Coverage up to $3,000 for theft of guns and related equipment.

Perils*

The Tenantcover Policy will protect your personal belongings against direct physical loss except as excluded in the policy. Perils include:
  • Fire or lightning
  • Windstorm or hail
  • Explosion
  • Sonic boom
  • Riot or civil commotion
  • Aircraft
  • Vehicles
  • Smoke
  • Vandalism or malicious mischief
  • Breakage of glass
  • Theft
*Some perils contain specific exclusions. See the actual policy for the details.
 
  • Falling objects
  • Weight of ice, snow or sleet
  • Sudden bursting or cracking of a heating or cooling system
  • Freezing of plumbing, heating and cooling systems
  • Accidental overflow or discharge of water from within the home
  • Power surge damage to electrical appliances
  • Volcanic eruption

Optional Coverages

Your home is unique and so are your protection needs. Some optional coverages you may choose to add to your Tenantcover Policy include:
  • Replacement cost settlement on personal property
  • Sewer or drain backup
  • Incidental business occupancy
  • Earthquake coverage
  • Scheduled personal property
  • Expanded endorsement