Renters Insurance Agreement Template for Philippines

1. Additional Coverage Riders: Optional additional coverage for specific items or risks, used when the insured requests extra protection

2. Co-insurance Clause: Details of any co-insurance arrangements, included when applicable to the specific policy

3. Natural Disaster Coverage: Special provisions for natural disasters, particularly relevant in the Philippines

4. Security and Safety Requirements: Specific security measures required for coverage, included for high-value properties

5. Multiple Occupancy Provisions: Special terms for shared living arrangements, used when the insured lives with roommates

6. Business Use Provisions: Terms for home-based business coverage, included when the renter operates a business from home

1. Schedule A - Property Schedule: Detailed list of covered personal property and their declared values

2. Schedule B - Premium Schedule: Breakdown of premium calculations and payment schedule

3. Schedule C - Coverage Limits: Specific limits for different types of coverage and sub-limits for special items

4. Appendix 1 - Claims Documentation Requirements: List of required documents and procedures for claims processing

5. Appendix 2 - Excluded Items List: Comprehensive list of items and situations explicitly excluded from coverage

6. Appendix 3 - Emergency Contact Procedures: Emergency contact information and procedures for immediate assistance