Here goes something! Before we begin, we're required to remind you that the info below is a general guideline—specific limits of your coverage can vary based on your plan (if you're a member). To view info about your personal coverage, head over to your Declarations Page, which you can also download for your records.
Basic Renters Insurance
As with most Renters Insurance policies, Jetty's Renters Insurance plans come with four basic features or 'coverages':
- Contents coverage — i.e., protection if something happens to your things
- Loss of use coverage — i.e., financial compensation if your place becomes uninhabitable (and you need to seek alternative accommodations)
- Liability coverage — i.e., protection if you cause an issue and are financially responsible to someone else (like damaging someone else's property)
- Medical payments to others coverage — i.e., financial compensation if you need to cover someone's medical bills (due to an incident on or near your property)
No self-respecting insurance provider would sell you a policy with anything less than these features and we're of course no exception. We call this Basic Renters Insurance.
Because we believe that basic plans often fall short of what folks need, we've created Jetty Power-Ups (technically called 'endorsements'), a group of bonus features you can add to your plan to obtain tailored protection for your life and your circumstances. These include:
- Valuables Protection — if you have a special item worth over $1,000, we recommend the Valuables Protection Power-Up. The Basic plans are designed to cover many people with similar risk levels on their 'normal household belongings,' so plans do not fully cover uncommon, high-value items such as your grandmother's pearl necklace, your rare Bordeaux wines or your colonial stamp collection. (Incidentally, this is true with every insurance provider).
Our Valuables Protection Power-Up covers the following types of items: jewelry, music & audio gear, photo & video gear, fashion items, bikes, art & design, sports equipment, special collections, wine collections, and firearms.
- Personal Electronics Protection — personal electronics items like smartphones, tablets and laptops are subject to all sorts of special risks not typically covered by Basic plans, such as drop-and-shatter, and are not necessarily covered for these situations by default (again, this is not unique to Jetty). As such, for just a few dollars extra, we recommend buying the Personal Electronics Protection Power-Up to ensure you're fully protected in these scenarios. (Although 'heavier-duty' electronics like your TV are in fact covered by the Basic plan).
- Jetty Bedbugs Power-Up — this bonus power-up is automatically included in every Renters plan. We sure hope this never happens, but if a licensed pest control professional certifies that you have bedbugs, we'll cut you a $300 check to help you offset the costs of dealing with it.
- Airbnb Host Theft Protection — if you rent your place on Airbnb or similar services, you're protected from most damages or issues your guest causes via Airbnb's Host Protection Insurance offering, but—because you're acting like a landlord when you rent your place out on these services—your normal plan is void in that context for many situations, including theft arising from your guest's negligence. We know that guests don't always lock the door or hide the key in the right place, so we can cover you in those instances.
Our Airbnb Host Theft Protection is currently available via request or when you're editing your plan, so if you'd like to sign up for it, send us a note at email@example.com and we'll get you sorted.
What's not covered?
Insurance is intended to pool together similar amounts of risk among individuals, so extreme or unusual circumstances are excluded from our plans (again, this is typical of all insurance policies, and if you want more info on why this is the case, we talk about it in our Insurance 101 section, too).
- Valuables & Personal Electronics — as discussed above, these are protected up to a point. To ensure items like these are fully protected, purchase Power-Ups, which are recommended for valuables worth over $1,000 or for personal electronics like smartphones, tablets & laptops. We have a whole section explaining these, so be sure to read up there if this is a concern.
- Floods — if you’re concerned about flood risk, your best bet is to visit FEMA’s website to learn more about the National Flood Insurance Program. We also explain all about why floods aren't covered in our Insurance 101 section. PS: We're talking about 'ocean-in-my-apartment' style floods, not 'overflowing-bathtub' style floods. The latter are absolutely covered (and aren't considered floods in insurance world)!
- Earthquakes — these aren't covered, for reasons similar to floods.
- Dangerous dogs — although every dog is an individual and we heart all breeds, insurance world classifies certain breeds (listed below) as higher-risk than others, and so a few breeds are excluded from liability protection. (Hips don't lie, and neither do statistics, and the numbers do support this view.) The breeds that are excluded are: Akita, Alaskan Malamute, Pit bull, Rottweiler, German Shepherd, Doberman Pinscher, Chow Chow, Presa Canario, Staffordshire Bull Terrier, Great Dane, St. Bernard, Mastiff, Cane Corso, Siberian Husky, and Husky or Wolf mix. We like those dogs too, but unfortunately we can't provide liability coverage for incidents resulting from these breeds. :-(
- Intentional acts — we would hope this goes without saying, but it's worth mentioning that intentional acts are definitely not covered. We of course protect you from fires, including horrible accidents, but torching your place for fun is way out of bounds!
Same thing goes for liability. If a guest breaks her toe on a doorstop, that's an unfortunate accident and we're all over it. But a violent fistfight with your neighbor which ends in your giving him a black eye is also way over the line and not covered!
More questions? We're here!
Make no mistake, this stuff is complicated and there's nothing wrong with you if you still have questions. Drop us a line at firstname.lastname@example.org with anything we may not have addressed; we'd be happy to help.