You can get the coverage you need easily and inexpensively with insurance from the companies of the Utica National Insurance Group. Our policy provides coverage for the contents of your apartment or condominium, as well as personal liability and other coverages. Contents are covered for basic named perils such as fire, theft, freezing of pipes, windstorm, etc., and coverage can also be expanded to an "all risk" form.

A renter's or condominium policy also provides additional coverage that pays for extra living expenses, such as hotel stays in the event that your dwelling is rendered uninhabitable due to damage from a covered peril. Best of all, with your policy comes the local service and advice of your professional independent insurance agent.

Your independent agent knows you and is part of your community—not an impersonal 800 number. In addition, should you have a claim, you will find the Utica National claims staff to be fast, friendly and fair. They are there when you need them most, with emergency claim service available 24 hours a day, 7 days a week.

Your agent can help you tailor your insurance to your specific needs. There are important optional coverages, available for increased protection where you may need it, at a minimal additional cost. These include:

• Personal Property Replacement Cost - If there is a property claim as a result of a covered peril, the property would be replaced without applying depreciation.
• Extension PAC and Premier Extension PAC - Provide property and liability coverages and limits beyond those contained in the standard renter's or condominium-owner's policy.
• Personal Floaters - These add or expand coverages and give you extra protection for such valuables as jewelry, antiques, works of art, coin or stamp collections, and cameras and musical instruments, to name a few.
• Home Computer Coverage - Provides additional coverage for your hardware, software and media for both personal and business use.