High Value Tenant Insurance

At Westland, we know that your personal belongings represent some of your most valuable possessions. And we also know that not all insurance policies are created equal. See how we stack up against our competitors’ standard tenant insurance policies.

Westland Key Insurance Features and Benefits

All Risk or Comprehensive Policy	We cover your contents for “all risks”, not specific losses or “perils”
Off Premises coverage - contents	We insure your contents both while temporarily away from your premises AND while permanently at another uninsured location (worldwide). This includes student property while at school.
Replacement Cost – on contents	We pay based on Replacement Cost on your contents, with no allowance for depreciation, even if you choose a cash settlement instead of replacing the items.
Improvement and Betterments	We cover any improvements that you do to your unit
No Deductible for Losses over $50,000.
Temporary Relocation Costs Protection	We cover your additional expenses if you need to move out of your home as a result of an insured loss
Liberalization Clause	If we increase any included coverage, you immediately get that coverage – at no extra charge.

Westland High Value Tenant Insurance Comparison
Feature	Westland	Standard Competitor Policy
Personal Liability – including Personal Injury and Tenants Legal Liability	$5 million included with base policy	$1 million or less included with base policy – not including Personal Injury
Silverware	No limit	$25,000 or less
Bicycles	No limit	$1,000 per item or less
Theft from Vehicle	No limit	$3,000 or less
Personal Computer Hardware	No limit	$5,000 or less
Spoilage of food in refrigerator or freezer	No limit	$1,000 or less
Wine Spoilage	$5,000	Not available
Student Property	No limit	$3,000 or less
Property in Storage	No limit	Not available. Must buy separate storage policy
Parent Property	$5,000	Not available
Property in a Nursing Home	$5,000	Not available
Credit/ Debit Card Protection	$10,000	$10,000 or less
Identity Fraud Expenses	$25,000	Must buy a separate coverage
Fungi or Spore Remediation Expenses	$10,000	Not available
Search and Rescue	$5,000	Not available
Jewelry	$10,000	$5,000 or less

Legal Assist Program		N/A
Extended Care Facility Protection – Contents		N/A
Contents in Storage		N/A
Cash Replacement Option		N/A