Certain animal breeds can alter your rates. If your pet is the cause of a liability claim and the insurance company was unaware of your pet, they may not cover damages. Personal Items include clothes, furniture, appliances, electronics, etc. Specialty Items are sentimental items, such as jewelry, furs, art, etc. This coverage pays the medical bills of anyone injured within your rental, or third-party property damages caused by you or family members. A deductible is the amount of money you pay the insurance company to access your coverage. Lower deductibles increase your monthly rates, while higher deductibles decrease your monthly rates.