{"title":"Personal Property Coverage","subtitle":"","body":"\u003cstyle\u003e\n  li {\n    font-size: 1rem;\n  }\n  @media (max-width: 768px) {\n    li {\n      font-size: 0.75rem;\n    }\n  }\n\u003c/style\u003e\n\u003ch3\u003eHow much coverage can I get?\n\u003c/h3\u003e\n\u003cp\u003eSelect a limit when you complete your BCAA Renters\nInsurance quote. The minimum amount you can choose is\n$20,000 and can be increased in $1,000 increments. There\nare categories that have special limits, like jewellery and\nbikes, which is the maximum we will pay for items in that\ncategory of belongings.\u0026nbsp;We offer a Personal Property Calculator during your online quote to help guide you to a recommended amount.\u003c/p\u003e\n\u003ch3\u003eWhat is covered?\n\u003c/h3\u003e\n\u003cp\u003eDamage or loss of your personal belongings due to:\u003c/p\u003e\n\u003cul\u003e\n    \u003cli\u003eA fire or resulting smoke damage (including if the fire\n    occurs in a neighbouring unit or a wildfire)\n    \u003c/li\u003e\n    \u003cli\u003eTheft \u0026mdash; whether it occurs on your property or while you\u0026rsquo;re\n    travelling with your belongings (e.g. your handbag is\n    stolen on the street)\n    \u003c/li\u003e\n    \u003cli\u003eWater damage from an internal water source like a pipe\n    bursting under your sink or your upstairs neighbour\u0027s dishwasher suddenly leaks into your apartment\u003c/li\u003e\n\u003c/ul\u003e\n\u003ch3\u003eWhat isn\u0026rsquo;t covered?\n\u003c/h3\u003e\n\u003cul\u003e\n    \u003cli\u003eDamage resulting from wear and tear\u003c/li\u003e\n    \u003cli\u003eIntentional damage or destruction of your belongings by\n    you or by someone at your direction\u003c/li\u003e\n    \u003cli\u003eSporting equipment that is damaged during its intended\n    use \u0026ndash; unless you specifically state it (known as\n    \u0026lsquo;scheduling\u0026rsquo;) on the policy\n    \u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eFor full details of what\u0026rsquo;s covered and what isn\u0026rsquo;t, refer to our\n\u003ca href=\"/insurance/rd/wordings\"\u003epolicy wording\u003c/a\u003e.\n\u003c/p\u003e\n\u003ch3\u003eHow would I make a claim?\n\u003c/h3\u003e\n\u003cp\u003eMake a list of your personal belongings that were damaged or\ndestroyed and research how much it will cost to replace\nthem. It\u0026rsquo;s helpful if you have photos, receipts or proof of\nownership of these items to share with your adjuster too.\u003c/p\u003e\n\u003cp\u003eYou can start a claim online 24/7 at \u003ca href=\"/insurance/home/home-insurance-claims\"\u003ebcaa.com/homeclaim\u003c/a\u003e\u003c/p\u003e","ID":"b9fd4805-fda3-4b4d-b67b-3cf64105cf08","__DisplayName":"","Name":"Personal Property Coverage","DisplayName":"Personal Property Coverage","SortOrder":0}