What’s covered with our policies
Your Gem State agent can help to ensure all the things you and your family value most are adequately protected with our affordable renters’ policies.
- Personal Property
- Personal Liability
- Medical Payments to Others
- Additional Living Expenses
Customize your renters coverage
Gem State offers a number of add-on coverages to help you create the perfect personalized package of renters protection.
- Personal cyber protection
- Replacement cost coverage for your contents
- Equipment breakdown
- Additional coverage for back-up of sewers or drains
- Coverage for jewelry, fine arts, firearms, cameras, coins, & collectibles
- Earthquake coverage
- Building additions and alterations (or building improvements and betterments)
- Packaged enhancement endorsement with increased benefit coverage
Keep your coverage affordable with these discounts
Gem State offers a wide variety of discounts that allow you to create a customized collection of renter coverages at a surprisingly affordable price.
- Certain types of protective devices (smoke detectors, security systems)
- Occupational discounts
- Auto/home discount
- Triple Line Discount: Save when Gem State provides your renters, auto and personal umbrella policies
- Paperless discount
Your local independent Gem State agent can ensure you have the right coverage at the right price.
Find a local agent.