Jim is a renter and carries $40,000 insurance on his personal belongings. He selects the minimum liability with a deductible of $1000 for each claim, carries identity theft/fraud protection K and an endorsement of $1500 for his camera equipment. Jim has a recent bankruptcy on his record, so is credit is rated as "bad". Find his annual premium. Click the icon to view the rate tables. Rate Tables OA. $345.75 OB. $353.25 OC. $349.50 Estimated Annual Renters Insurance Premium Rates $20,000 Policy Limit $40,000 Policy Limit OD. $333.00 Liability $300,000 141 226 $500,000 149 239 268 $1,000,000 169 270 303 154 $500 Deductible $1,000 Deductible GOOD OCC BAD GOOD OCC BAD GOOD OCC BAD GOOD OCC BAD 253 227 195 126 203 312 349 206 215 241 134 246 276 233 $500 Deductible $1,000 Deductible 174 280 313 330 370 373 418 185 213 297 333 339 381 GOOD = good credit; OCC = occasional payments past 30 days; BAD = judgments, collection, bankruptcy Optional Coverage Rates for Optional Coverage and Extended Coverage Endorsements Extended Endorsement Coverage $20/year Jewelry, watches, and furs $75/year Camera equipment Identity theft/fraud protection Sewer/sump pump backup protection (for property located in a basement) $0.85/$100/year $1.35/$100/year $0.95/$100/year $1.10/$100/year Firearms and accessories $1.45/$100/year Portable tools $3.25/$100/year Computer equipment Fine art and collectibles