B. Coverage B: Personal Property - Tenants
If the policyholder is a tenant and has insured personal property under Coverage B - Personal Property, the policy covers such property, including a cooking stove or range and refrigerator, if owned by the policyholder. The policy also covers improvements made or acquired solely at the policyholder's expense in the dwelling or apartment in which the policyholder resides, but for not more than 10 percent of the limit of liability for personal property on the Declarations Page. Use of this insurance is at the policyholder's option but reduces the personal property limit of liability.
Photograph of two people removing a refrigerator from a kitchen.
A pencil writing across paper.

Adjuster Tip: It is important that you, the adjuster, document the ownership of the stove or range and refrigerator. With regard to improvements, the adjuster must document and confirm that improvements were made or acquired solely at the policyholder's expense, and also document and confirm that such items are not insured under the building owner's flood policy, if one exists.