What types of damage to personal contents are included in the Waiver Program?

This varies depending on the Property Damage Liability Waiver Program type that your property manager selects. You may be eligible for reimbursement for living expenses or your personal contents if they were damaged in a covered accident. These benefits are all subject to Program limits and the terms and conditions in your lease or the Program Announcement you received from your property manager.

If your Property has a Waiver Program that includes reimbursement for personal contents, you may be eligible to receive reimbursement where you have accidentally damaged the apartment building and your personal contents were damaged in the same incident. Also, the damage must have resulted from one of the following perils:

• Fire

• Sudden and Accidental smoke

• Explosion

• Water or other liquid which leaks, flows, or overflows from plumbing, heating, air conditioning, other equipment or fixtures, or personal contents

Keep in mind that the Waiver Program is not insurance and does not result in an insurance policy to you. You should consult an insurance professional for advice on whether you should purchase a renters insurance policy.