throbber
Trademark Trial and Appeal Board Electronic Filing System. http://estta.uspto.gov
`ESTTA1009814
`10/18/2019
`
`ESTTA Tracking number:
`
`Filing date:
`
`IN THE UNITED STATES PATENT AND TRADEMARK OFFICE
`BEFORE THE TRADEMARK TRIAL AND APPEAL BOARD
`
`Notice of Opposition
`
`Notice is hereby given that the following party opposes registration of the indicated application.
`
`Opposer Information
`
`Name
`
`American Family Mutual Insurance Company, S.I.
`
`Granted to Date
`of previous ex-
`tension
`
`Address
`
`Attorney informa-
`tion
`
`10/19/2019
`
`6000 AMERICAN PARKWAY
`MADISON, WI 53783
`UNITED STATES
`
`JOHANNA M. WILBERT
`QUARLES & BRADY LLP
`411 E. WISCONSIN AVE. STE 2400
`MILWAUKEE, WI 53202
`UNITED STATES
`johanna.wilbert@quarles.com, Anita.Boor@quarles.com,
`Katelin.Drass@quarles.com, deena.hocker@quarles.com, Dock-
`etWI@quarles.com
`414-277-5000
`
`Applicant Information
`
`Application No
`
`88253175
`
`Publication date
`
`08/20/2019
`
`Opposition Filing
`Date
`
`Applicant
`
`10/18/2019
`
`Weichert Co.
`1625 Route 10 East
`Morris Plains, NJ 07950
`UNITED STATES
`
`Opposition Peri-
`od Ends
`
`10/19/2019
`
`Goods/Services Affected by Opposition
`
`Class 036. First Use: 0 First Use In Commerce: 0
`All goods and services in the class are opposed, namely: Real estate agency services; Financial ser-
`vices, namely, real estate investment, real estate property, title and insurance brokerage; and mort-
`gage brokerage and lending
`
`Class 045. First Use: 0 First Use In Commerce: 0
`All goods and services in the class are opposed, namely: Mortgage and real estate closing services
`
`Grounds for Opposition
`
`Priority and likelihood of confusion
`
`Trademark Act Section 2(d)
`
`Dilution by blurring
`
`Trademark Act Sections 2 and 43(c)
`
`

`

`Marks Cited by Opposer as Basis for Opposition
`
`U.S. Registration
`No.
`
`773380
`
`Registration Date
`
`07/14/1964
`
`Application Date
`
`01/28/1963
`
`Foreign Priority
`Date
`
`NONE
`
`Word Mark
`
`Design Mark
`
`AMERICAN FAMILY INSURANCE
`
`Description of
`Mark
`
`Goods/Services
`
`NONE
`
`Class 036. First use: First Use: 1962/10/03 First Use In Commerce: 1962/10/20
`Sale, Underwriting, and Servicing of Multiple Lines of Insurance
`
`U.S. Registration
`No.
`
`2073900
`
`Registration Date
`
`06/24/1997
`
`Word Mark
`
`Design Mark
`
`NONE
`
`Application Date
`
`07/22/1996
`
`Foreign Priority
`Date
`
`NONE
`
`Description of
`Mark
`
`Goods/Services
`
`NONE
`
`Class 037. First use: First Use: 1991/10/00 First Use In Commerce: 1991/10/00
`real estate development
`
`

`

`U.S. Registration
`No.
`
`2880618
`
`Registration Date
`
`09/07/2004
`
`Application Date
`
`01/03/2001
`
`Foreign Priority
`Date
`
`NONE
`
`Word Mark
`
`Design Mark
`
`Description of
`Mark
`
`Goods/Services
`
`ALL YOUR PROTECTION UNDER ONE ROOF
`
`NONE
`
`Class 036. First use: First Use: 1989/00/00 First Use In Commerce: 1989/00/00
`insurance administration; underwriting multiple lines of insurance, namely, life,
`health, automobile, commercial, homeowners and boat owners insurance; [ fin-
`ancial services in the field of money lending; lease purchase financing of auto-
`mobiles ]
`
`U.S. Application
`No.
`
`88196819
`
`Application Date
`
`11/16/2018
`
`Registration Date
`
`NONE
`
`Foreign Priority
`Date
`
`NONE
`
`Word Mark
`
`Design Mark
`
`CONNECT POWERED BY AMERICAN FAMILY INSURANCE
`
`Description of
`Mark
`
`Goods/Services
`
`The mark consists of a roof-like drawing with the word "CONNECT" below the
`drawing. Below "CONNECT" are the words "POWERED BY AMERICAN FAM-
`ILY INSURANCE" in a rectangle shape.
`
`Class 036. First use: First Use: 0 First Use In Commerce: 0
`Insurance administration; underwriting services in the fields of life, health, auto-
`mobile, commercial, farm, ranch, homeowners and property insurance; insur-
`ance information; insurance consultation
`
`Attachments
`
`72161485#TMSN.png( bytes )
`75137600#TMSN.png( bytes )
`76189437#TMSN.png( bytes )
`88196819#TMSN.png( bytes )
`2019-10-18 Notice of Opposition.pdf(217655 bytes )
`Ex. A - Examples of Opposers Use.pdf(2903137 bytes )
`Ex. B - TESS printouts.PDF(537692 bytes )
`
`Signature
`
`/Johanna M. Wilbert/
`
`

`

`Name
`
`Date
`
`JOHANNA M. WILBERT
`
`10/18/2019
`
`

`

`
`
`IN THE UNITED STATES PATENT AND TRADEMARK OFFICE
`BEFORE THE TRADEMARK TRIAL AND APPEAL BOARD
`
`In the matter of Application Serial No. 88/253,175
`
`
`Trademark:
`Published: August 20, 2019
`
`
`AMERICAN FAMILY MUTUAL
`INSURANCE COMPANY, S.I.,
`
`
`
`
`
`
`
`Opposer,
`
`
`v.
`
`
`
`
`
`
`
`
`WEICHERT Co.,
`
`
`
`
`
`
`
`
`
`Applicant.
`
`
`
`
`
`
`
`Opposition No. _________________
`
`)
`)
`)
`)
`)
`)
`)
`)
`)
`
`NOTICE OF OPPOSITION
`
`American Family Mutual Insurance Company, S.I. (“Opposer”), believing that it will be
`
`damaged by registration, pursuant to 15 U.S.C. § 1063(a), hereby opposes Application Serial No.
`
`88/253,175 for the design plus word mark:
`
`
`
`filed on January 8, 2019, under the Trademark Act of 1946, published for opposition in the Official
`
`Gazette on August 20, 2019 in the name of Weichert Co. (“Applicant”).
`
`The grounds for this Opposition are as follows:
`
`1.
`
`Opposer is a Wisconsin corporation with its principal place of business at 6000
`
`American Parkway, Madison, Wisconsin 53783.
`
`
`QB\164307.00008\59944512.4
`
`
`1
`
`

`

`
`
`2.
`
`Upon information and belief, Applicant is a New Jersey corporation with its
`
`principal place of business at 1625 Route 10 East, Morris Plains, New Jersey 07950.
`
`Opposer’s Marks
`
`3.
`
`Since its founding in 1927, Opposer, previously known as Farmers Mutual
`
`Insurance Company, has become a nationally recognized insurance provider that offers auto,
`
`home, life, and other types of insurance coverage and financial services to consumers.
`
`4.
`
`Opposer is the nation’s 13th largest property and casualty insurance group. It
`
`currently ranks number 306 on the Fortune 500 list and reported over 27.5 billion in total assets in
`
`2018.
`
`5.
`
`Opposer’s services are distributed and sold by a network of independent insurance
`
`agents located throughout the country, which are licensed to conduct business under Opposer’s
`
`numerous and well-known trademarks.
`
`6.
`
`Opposer spends substantial expenditures of time, effort and other resources in
`
`advertising and promoting its services, including but not limited to, commercial TV advertising,
`
`featuring celebrity spokespeople; recently acquiring the naming rights of Miller Park, home of the
`
`MLB team Milwaukee Brewers; sponsoring the American Family Insurance Championship, a
`
`PGA Tour event; and sponsorship of numerous localized events throughout the U.S. through its
`
`DreamBank initiative and its Dream Movement.
`
`7.
`
`Since at least 1989, Opposer has used, and is now using, the ALL YOUR
`
`PROTECTION UNDER ONE ROOF mark (Reg. No. 2,880,618) in connection with its insurance
`
`and financial services (the “UNDER ONE ROOF Mark”).
`
`8.
`
`Examples of Opposer using its UNDER ONE ROOF Mark in connection with
`
`Opposer’s services are attached as Exhibit A.
`
`
`QB\164307.00008\59944512.4
`
`
`2
`
`

`

`
`
`9.
`
`The relevant consuming public has come to recognize Opposer’s UNDER ONE
`
`ROOF Mark as a designation of a single source of goods and services, namely Opposer and its
`
`goods and services.
`
`10.
`
`Since at least 1962, the Opposer has used, and is now using, a family of marks
`
`incorporating a roofline design, which include the AMERICAN FAMILY INSURANCE and
`
`Design mark (Reg. No. 773,380), in connection with various insurance and real estate services (the
`
`“Roof Design Marks”).
`
`11.
`
`Examples of Opposer using its Roof Design Marks in connection with Opposer’s
`
`services are attached as Exhibit A.
`
`12.
`
`The relevant consuming public has come to recognize Opposer’s Roof Design
`
`Marks as designations of a single source of goods and services, namely Opposer and its goods and
`
`services.
`
`13.
`
`Additionally, Opposer’s UNDER ONE ROOF Mark and Roof Design Marks, have
`
`been and are still being used in combination and conjointly in advertising and promotion of its
`
`services, in such a way that they have come to be associated together as indications of origin in
`
`the mind of the buying public.
`
`14.
`
`In particular, the ALL YOUR PROTECTION UNDER ONE ROOF and the
`
`American Family Insurance and Design registrations are frequently combined and used together
`
`for marketing and advertising, as arranged below:
`
`(the “Combined Mark”).
`
`
`QB\164307.00008\59944512.4
`
`
`
`
`3
`
`

`

`
`
`15.
`
`The relevant consuming public has come to recognize Opposer’s Combined Mark
`
`as a designation of a single source of goods and services, namely Opposer and its goods and
`
`services.
`
`16.
`
`Accordingly, Opposer has accumulated common law rights in its UNDER ONE
`
`ROOF Mark, Roof Design Marks, and Combined Mark in connection with goods and services
`
`shown in Exhibit A, as well as any related goods and services and goods and services included in
`
`a reasonable zone of expansion.
`
`17.
`
`In addition to common law rights, Opposer owns the following U.S. Registrations
`
`issued by the U.S. Patent and Trademark Office (“USPTO”) for the following trademarks in its
`
`UNDER ONE ROOF Mark and Roof Design Marks, and will rely upon same in this proceeding:
`
`Mark
`AMERICAN FAMILY
`INSURANCE and Design
`
`Registration
`773,380
`Issued: Jul. 14, 1964
`
`First Use Services
`Oct. 1962 36: Sale, Underwriting,
`and Servicing of Multiple
`Lines of Insurance
`
`
`
`Roof Design
`
`2,073,900
`Issued: Jun. 24, 1997
`
`Oct. 1991 37: Real estate
`development
`
`
`ALL YOUR PROTECTION
`UNDER ONE ROOF
`
`2,880,618
`Issued: Sep. 7, 2004
`
`1989
`
`36: insurance
`administration;
`underwriting multiple lines
`of insurance, namely, life,
`health, automobile,
`commercial, homeowners
`and boat owners insurance;
`[ financial services in the
`field of money lending;
`lease purchase financing of
`automobiles]
`
`
`QB\164307.00008\59944512.4
`
`
`4
`
`

`

`
`
`18.
`
`The registrations listed in Table 1 above are valid, subsisting, in full force and
`
`effect, and constitute prima facie evidence of Opposer’s exclusive right to use the UNDER ONE
`
`ROOF and Roof Design Marks in U.S. commerce in connection with the services specified in the
`
`registrations.
`
`19. Moreover, the above registrations are incontestable pursuant to 15 U.S.C. § 1065(b)
`
`and constitute conclusive evidence of Opposer’s exclusive right to use the marks for the services
`
`specified in the registrations.
`
`20.
`
`True and correct copies of printouts from the USPTO’s TESS database showing
`
`current status and title of the registrations listed above in Table 1 are attached as Exhibit B.
`
`21.
`
`Each of these registrations issued well before the January 8, 2019 filing date of the
`
`opposed intent to use Application.
`
`22.
`
`Opposer also owns the following pending federal application for an additional Roof
`
`Design Mark:
`
`Mark
`
`Application No. Filing Date
`88/196,819
`Nov. 16, 2018
`Allowed
`
`
`
`Services
`36: Insurance administration;
`underwriting services in the fields
`of life, health, automobile,
`commercial, farm, ranch,
`homeowners and property
`insurance; insurance information;
`insurance consultation
`
`23.
`
`Should this pending federal application mature into registration during the
`
`pendency of this proceeding, Opposer intends to rely upon the matured registration.
`
`24.
`
`Opposer has expended considerable time, effort, and money in advertising and
`
`publicizing the sale of goods and services bearing the UNDER ONE ROOF Mark, Roof Design
`
`Marks, and Combined Mark (collectively, “Opposer’s Marks”).
`
`
`QB\164307.00008\59944512.4
`
`
`5
`
`

`

`
`
`25.
`
`Opposer’s Marks are symbolic of the extensive goodwill and consumer recognition
`
`that Opposer has established through substantial expenditures of time, effort, and other resources
`
`in the advertising and promotion of the goods and services Opposer sells and offers for sale.
`
`26.
`
`Since Opposer’s Marks have been in use for decades, have been promoted
`
`extensively through a range of media, and have generated billions of dollars in assets, Opposer and
`
`its Marks are famous and are synonymous with Opposer and its high-quality services.
`
`Applicant’s Mark
`
`27.
`
`Applicant filed an intent to use application with the USPTO on January 8, 2019 for
`
`the design plus word mark:
`
`
`
`(“Applicant’s Mark”).
`
`28.
`
`29.
`
`The application was assigned Serial No. 88/253,175 (the “Application”).
`
`The Application is for “real estate agency services; financial services, namely, real
`
`estate investment, real estate property, title and insurance brokerage; and mortgage brokerage and
`
`lending” in Class 36 and “mortgage and real estate closing services” in Class 45.
`
`30.
`
`Applicant has disclaimed the right to use “REAL ESTATE MORTGAGE
`
`INSURANCE CLOSING SERVICES” apart from the mark as shown.
`
`31.
`
`Applicant’s Mark was published for opposition in the Official Gazette on August
`
`20, 2019.
`
`32.
`
`Any use by Applicant of Applicant’s Mark, is without the consent, authorization,
`
`or license of Opposer.
`
`
`QB\164307.00008\59944512.4
`
`
`6
`
`

`

`
`
`FIRST GROUND FOR CANCELLATION
`PRIORITY AND LIKELIHOOD OF CONFUSION
`
`33.
`
`34.
`
`Opposer repeats, re-alleges and incorporates by reference paragraphs 1–32 above.
`
`Opposer’s rights in Opposer’s Marks are superior to any rights Applicant may have
`
`in Applicant’s Mark.
`
`35.
`
`Applicant’s Mark is confusingly similar to Opposer’s UNDER ONE ROOF Mark
`
`in appearance, sound, and commercial impression.
`
`36.
`
`Particularly, the salient portion of Applicant’s Mark, namely the phrase “all under
`
`one roof,” is nearly identical in appearance, sound, and commercial impression to Opposer’s
`
`UNDER ONE ROOF Mark, namely the phrase “all your protection under one roof.” Indeed, all
`
`four words--“all under one roof”--appear in the same order in the phrase “all your protection under
`
`one roof.”
`
`37.
`
`Applicant’s Mark is confusingly similar to Opposer’s Roof Design Marks in
`
`appearance and commercial impression.
`
`38.
`
`Particularly, the roof design feature of Applicant’s Mark is similar to Opposer’s
`
`Roof Design Marks in that they all depict triangular, peaked-shaped roof lines:
`
`Opposer’s Roof Marks
`
`Applicant’s Mark
`
`
`
`
`
`
`
`
`
`QB\164307.00008\59944512.4
`
`
`
`
`7
`
`
`
`

`

`
`
`39.
`
` Applicant’s Mark is confusingly similar to Opposer’s Combined Mark in sound,
`
`appearance, and commercial impression.
`
`40.
`
`Indeed, confusing similarity is exacerbated as the roof lines and phrases from
`
`Opposer’s Combined Mark and Applicant’s Mark are nearly identical and laid-out in a similar
`
`fashion:
`
`Opposer’s Combined Mark
`
`Applicant’s Mark
`
`
`
`
`
`41.
`
`The services listed in the Application are similar to the services Opposer has
`
`provided and continues to provide in connection with Opposer’s Marks. As explained above,
`
`Opposer provides wide-ranging insurance and real estate services. These are identical in nature
`
`to, or at the very least have substantial overlap with, the services for which Applicant filed.
`
`42.
`
`Upon information and belief, Applicant and Opposer operate in the same channels
`
`of trade and sell to the same class of purchasers.
`
`43.
`
`Accordingly, Applicant’s Mark is likely to suggest to the relevant purchasing public
`
`a false affiliation, connection, or association of Applicant and Applicant’s services with Opposer
`
`and Opposer’s services, with consequent injury to Opposer, the trade, and the public.
`
`44.
`
`Thus, the Application should be rejected under Lanham Act § 2(d), 15 U.S.C.A. §
`
`1052(d).
`
`SECOND GROUND FOR CANCELLATION
`DILUTION BY BLURRING
`
`45.
`
`Opposer repeats, re-alleges and incorporates by reference paragraphs 1–44 above.
`
`
`QB\164307.00008\59944512.4
`
`
`8
`
`

`

`
`
`46.
`
`Through extensive use and promotion, Opposer’s Marks have become distinctive
`
`and famous as defined under Section 43(c)(1) of the Lanham Act, as amended, 15 U.S.C. §
`
`1125(c)(1).
`
`47.
`
`Opposer’s Marks achieved their enormous and widespread public recognition and
`
`fame within the meaning of 15 U.S.C. § 1125(c) before the Application’s filing date of January 8,
`
`2019.
`
`48.
`
`Applicant’s use of Applicant’s Mark for the services specified in the Application is
`
`likely to dilute the distinctive quality of Opposer’s Marks and to decrease the capacity of Opposer’s
`
`marks to identify and distinguish Opposer, with consequent injury to Opposer, the trade, and the
`
`public.
`
`PRAYER FOR RELIEF
`
`WHEREFORE, Opposer believes and avers that it is being and will continue to be damaged
`
`by the registration of Applicant’s Mark, as aforesaid, and requests that said Application be rejected,
`
`that no registration or registrations be issued thereon to Applicant, and that this Opposition be
`
`sustained in favor of Opposer.
`
`Opposer has appointed Johanna M. Wilbert, a partner of the law firm of QUARLES &
`
`BRADY LLP, a member of the Bar of the State of Wisconsin, and Anita Marie Boor, an associate
`
`with the law firm of QUARLES & BRADY LLP, a member of the Bar of the State of Wisconsin,
`
`to prosecute this proceeding and to transact all business in and before the USPTO in connection
`
`herewith.
`
`
`QB\164307.00008\59944512.4
`
`
`9
`
`

`

`
`
`Please address all correspondence to:
`
`Johanna M. Wilbert
`QUARLES & BRADY LLP
`johanna.wilbert@quarles.com
`411 East Wisconsin Avenue
`Suite 2400
`Milwaukee, WI 53202-4426
`
`The required filing fee for this Notice is being submitted herewith through ESTTA. The
`
`Commissioner is hereby authorized to charge any additional fees which may be required, or credit
`
`any overpayment, to Deposit Account No. 17-0055.
`
`Dated this 18th day of October 2019.
`
`
`
`Respectfully submitted,
`
`/Johanna M. Wilbert/
`Johanna M. Wilbert
`johanna.wilbert@quarles.com
`Anita Marie Boor
`anita.boor@quarles.com
`QUARLES & BRADY LLP
`411 East Wisconsin Avenue
`Suite 2400
`Milwaukee, WI 53202-4426
`Tel.: 414 277 5000
`Fax: 414 271 3552
`
`Attorneys for American Family Mutual
`Insurance Company, S.I.
`
`
`
`
`
`
`
`QB\164307.00008\59944512.4
`
`
`10
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`EXHIBIT A
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`EXHIBIT A
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`

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`10/15/2019
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`screenshot-rickm-manteno.com-2019.10.15-07_57_22
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`10/15/2019
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`screenshot-www.auto-insurance-helper.com-2019.10.15-08_10_02
`https://www.auto-insurance-helper.com/american-family-insurance-logo.html
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`10/15/2019
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`While I have been in
`one major accident
`and a handful of
`fender benders, the
`best accident story I
`have is a near miss. 1
`was living in Atianta
`and had
`
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`when a Geito insured
`hit me in my driver
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`Best Caraggn
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`Eolicies
`.CE.C.E.Q..1.r..lB {‘5
`
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`
`The best caravan
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`those that are
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`You‘ll get the best
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`

`

`Visit amfam.com to find an agent near you for a FREE no-obligation Personal Insurance Review.
`
`The trusted advice of an American Family Insurance agent will give you the confidence and
`
`security to pursue your dreams, no matter how they change along the way, and make sure
`
`that you have protection for everything that matters most to you.
`
`ALL YOUR PROTECTION UNDER ONE ROOF ®
`AUTO
`HOME
`BUSINESS
`LIFE
`
`We offer a variety of insurance products to cover you, and your family, at every stage in life.
`
`Talk to an agent to find out which discounts you may qualify for and other ways to save!
`
`
`This brochure represents only a brief description of coverages. Insurance policy terms and conditions may apply. Coverage features and limits vary by
`
`state and may be subject to change. Some products are not available in every state. Discount availability and eligibility vary by state and policy terms. Please
`
`check with your agent and read the policy for exact details on coverages and exclusions.
`
`Annuities and life insurance policies are issued by American Family Life Insurance Company – other products are underwritten by American Family Mutual
`
`Insurance Company, American Family Insurance Company, American Standard Insurance Company of Ohio and American Standard Insurance Company
`
`of Wisconsin, 6000 American Parkway, Madison, WI 53783.
`
`Printed on recycled paper. Please recycle.
`
`ADP-29822— Rev. 9/13 © 2013
`
`®
`
`

`

`ALL YOUR PROTECTION UNDER ONE ROOF ®
`
`HOME
`AUTO
`LIFE
`BUSINESS
`
`American Family offers a variety of
`
`insurance
`
`products to cover you, and your family, at every
`
`stage in life. The trusted advice of your American
`
`Family
`
`Insurance agent will give you
`
`the
`
`confidence and security to pursue your dreams,
`
`no matter how they evolve along the way. Make
`
`sure you have protection for everything that matters
`
`most to you.
`
`This brochure represents only a brief description of coverages and is not part of
`your policy. Insurance policy terms and conditions may apply. Coverage features
`and limits vary by state and may be subject to change. Some products are not
`available in every state. Discount availability and eligibility vary by state and policy
`terms. Please check with your agent and read the policy for exact details on coverages
`and exclusions.
`
`American Family Insurance Company, American Family Mutual Insurance Company,
`American Standard Insurance Company of Ohio, American Standard Insurance
`Company of Wisconsin, American Family Life Insurance Company, 6000 American
`Parkway, Madison WI 53783.
`
`Some auto products underwritten by The General® Automobile Insurance Services, Inc.
`(The General®), 2636 Elm Hill Pike, Nashville TN 37214, a wholly owned subsidiary of
`American Family Mutual Insurance Company.
`
`Printed on recycled paper. Please recycle.
`
`ADP-34845 ADVANCE–Rev. 1/16 © 2016
`
`

`

`RENTERS
`INSURANCE
`
`
`
`PROTECTION FOR THE SPACE YOU CALL HOME
`PROTECTION FOR THE SPACE YOU CALL HOME
`
`AMERICAN FAMILY
`Im®
`
`

`

`PROPERTY COVERAGE
`
`LIABILITY COVERAGE
`
`OPTIONAL COVERAGES
`
`WAYS TO SAVE
`
`POLICIES
`
`YOU’VE ALWAYS DREAMED OF YOUR
`OWN THINGS, IN YOUR OWN HOME
`
`Think of how your personal possessions turn the
`
`space you rent into a place that’s uniquely yours. Now
`
`consider how much it would cost to replace or repair
`
`the belongings you love, not to mention the things you
`
`need, if they were to be damaged, destroyed, or stolen.
`
`Protect the space you call home with Renters
`Insurance from American Family Insurance.
`
`Protecting what belongs to you is a smart thing to do.
`
`Your American Family agent is there to help make sure
`
`your coverage needs are met, your questions answered
`
`and any claims are handled quickly.
`
`Welcome home.
`
`

`

`PROPERTY COVERAGE
`
`Protect Your Personal Property
`
`While protecting the building is your landlord’s responsibility,
`protecting your personal property is what renters insurance is for.
`Property coverage ensures you’ll have the means to return your
`possessions back to normal should there be any damage from
`events such as these:
`
`FIRE
`
`WATER DAMAGE FROM
`PLUMBING, HEATING
`OR COOLING SYSTEM*
`
`THEFT
`
`POWER SURGES TO
`ELECTRONICS AND
`APPLIANCES YOU OWN
`
`An American Family Insurance renters policy isn’t limited to just
`these events. It also helps cover your personal property if damaged
`from smoke, lightning, windstorm, hail, explosion, vandalism, or riot.
`
`Other Covered Losses
`
`Our renters policy includes broad protection beyond the events and
`perils listed to take care of you and your property.
`
`•
`
` Credit/Debit Card, Forgery or Counterfeit Money (due to theft
`or unauthorized use)
`
`• Fungi (Mold) or Bacteria
`
`•
`
`Inlation Protection
`
`* Your policy excludes water damage due to sewer back-up, septic back-up and sump
`overflow unless special coverage is purchased for this type of loss. Please see
`your agent for details on this coverage.
`
`The value of your personal property can add up quickly. Check
`out the DreamVault to create a room-by-room inventory of your
`belongings. Accessible by computer or smart phone at AmFam.
`com/dreamvault. Then, your American Family agent can help you
`ill in any of the gaps between the coverage provided and the
`coverage you need.
`
`

`

`TAKE INVENTORY
`
`You are covered up to your Personal Property (Coverage C) limit for
`the items below.
`
`• Antiques
`• Art
`• Collectibles
`• Computers
`• Electronics
`
`• Game Systems
`• Musical Equipment
`• Sound Systems
`• Sport Equipment
`
`Your policy provides limited coverage for these items up to the limit
`below. Do you need more?
`
`Asset
`
`
`
`
`
` Coverage limit
`
`£ Jewelry, Gemstones, Watches and Furs
`
`£ Money, Banknotes, Coins
`
`£ Stamps, Securities, Passports and Tickets
`
`£ Business Property
`
`£ Trading Cards and Comic Books
`
`£ Watercraft including trailers and accessories
`
`$2,000
`
`$300
`
`$1,500
`
`$1,500
`
`$2,500
`
`$1,500
`
`
`
`Your policy covers the theft of these items up to the limit below.
`Do you need more?
`
`Asset
`
`
`
`
`
` Coverage limit
`
`£ Flatware, Tableware
`
`£ Rugs and Tapestries
`
`£ Tools, Tool Boxes, Benches and Cabinets
`
`£ Firearms and Related Accessories
`
`$5,000
`
`$10,000
`
`$7,500
`
`$5,500
`
`
`
`
`Don't forget about coverage for additional assets. Do you have any
`of the following?
`
`£ Home Business
`
`£ Special Family Need
`
`£ Vacation home
`
`£ Watercraft
`
`£ Home that you rent to others
`
`Your American Family Insurance Homeowners policy does
`not provide coverage for looding or rising water. Flood
`insurance may be available through the National Flood
`Insurance Program (NFIP).
`
`American Family Insurance is a participating company in the National
`Flood Insurance Program (NFIP). NFIP is managed by the Federal
`Emergency Management Agency (FEMA), a component of the U.S.
`Department of Homeland Security (DHS). Flood insurance is a separate
`policy underwritten by NFIP.
`
`

`

`LIABILITY COVERAGE
`
`Protection for the Unexpected
`
`Accidents happen…and as a renter, you can be held liable for
`injuries to guests and others, that occur in your home due to
`unsafe conditions or unfortunate circumstances.
`
`Your policy can help provide inancial protection against covered
`liability claims and lawsuits brought by others for accidental
`bodily injury or damage to their property caused by your
`personal activities, your children or your pets.
`
`ACTS OF THE INSUREDS' PETS
`
`CLAIM AND
`DEFENSE EXPENSES
`
`LIABILITY DUE TO UNPAID
`VOLUNTEER SERVICES
`
`LIABILITY TO OTHERS
`
`NEGLIGENT ACTS OF THE
`INSUREDS’ CHILDREN
`
`

`

`OPTIONAL COVERAGES
`
`Peace of Mind
`
`Home Business
`
`£ Identity Fraud Expense Coverage (reimburses you up to
`$25,000 for expenses associated with identity restoration)
`
`£ Additional Premises Liability Coverage (extends liability
`coverage for rental dwellings)
`
`£ Personal Injury (adds liability coverage for libel, defamation
`or slander)
`
`£ Earthquake Coverage
`
`£ Freezing of Whirlpool, Hot Tub, or Spa Coverage
`
`£ Pier, Wharf, and Boat Dock Collapse Coverage
`
`£ Home Day Care Coverage
`
`£ Business Property Coverage
`
`£ Limited Home Business Coverage
`
`£ Business Property Coverage
`
`£ Rented Farmland Liability Coverage
`
`£ Sewer Back-up, Septic Back-Up and Sump Overlow Coverage
`
`£ Scheduled Structures Away from the Residence Premises
`
`£ Temporary Rental to Others Coverage (provides coverage for
`up to 62 days)
`
`Your Personal Belongings
`
`Special Family Needs
`
`£ Personal Property Replacement Cost Coverage
`
`£ Additional Insured Coverage
`
`£ Itemized Personal Property Coverage (broadens coverage for a
`single item)
`
`£ Jewelry, Gemstones, Watches and Furs Coverage
`
`£ Personal Property Increased Special Limits Coverage (increases
`coverage limit on a personal property category)
`
`£ Pet Coverage (provides up to $1,000 for veterinarian or funeral
`expenses for your pet as a result of a covered loss)
`
`£ Limited Livestock Coverage
`
`
`
`£ Nursing/Assisted Living Facility Personal Property and Liability
`Coverage (provides up to $15,000 renter-type coverage for a
`family member in an assisted living or nursing home)
`
`Your Home Away From Home
`
`£ Additional Owners Coverage
`
`£ Freezing of Whirlpool, Hot Tub, or Spa Coverage
`
`

`

`HOW YOU CAN SAVE
`
`We realize saving time and money is important to you. We ofer
`many discounts to help save on your renters insurance, such as:
`
`• Loyalty Discount
`
`• Generational Discount (not available in WA)
`
`• Paperless Discount
`
`• AutoPay Discount
`
`• Customer Full Pay Discount
`
`We take the time to make sure you get all the discounts you are
`eligible for—you get great coverage and save money too.
`
`More than Just Renters Insurance
`
`It may be part of our name, but American Family does a lot more
`than insurance. We care about our customers’ safety and feel that
`it’s important to reward insureds with these safety discounts.
`
`• Burglar or Fire Alarm System Discounts
`
`• Sprinkler System Discount
`
`• Gated Community Discount
`
`Tour our Interactive Home — an online home safety inspection
`checklist for renters. Visit amfam.com for home safety and advice
`on how you can better protect your belongings and your family’s
`inancial well-being.
`
`Bundled is Better
`
`Save more by putting all your protection under one roof
`with our Multi-Product Discount.
`
`

`

`POLICY COVERAGES
`
`Here’s a brief explanation of the various coverages on your
`policy declarations page.
`
`Coverage C: Personal Property
`Covers your personal belongings, including furniture, clothing
`and appliances you own, if they are stolen, damaged, or destroyed.
`
`Coverage D: Loss of Use
`Pays for additional living expenses if your home is uninhabitable
`due to a covered loss.
`
` Coverage E: Personal Liability
`Protects you against inancial loss if you are sued and found
`legally responsible for someone else’s injury or property damage
`due to a covered loss.
`
`Coverage F: Medical Expense
`Covers medical payments to others due to a covered loss, regardless
`of your legal responsibility.
`
`To Report A Claim
`
`When your home is insured with American Family Insurance, you
`have a team of professionals behind you, including an agent who
`knows you and claim representatives who specialize in helping
`people through very diicult times. You may report a claim
`through your agent, online at AmFam.com or by calling our
`24-hour claims line at 1-800-MY AMFAM (692-6326).
`
`

`

`
`
`ALL YOUR PROTECTION UNDER ONE ROOF ®ALL YOUR PROTECTION UNDER ONE ROOF ®
`
`HOME
`AUTO
`LIFE
`BUSINESS
`
`American Family offers a variety of
`
`insurance
`
`products to cover you, and your family, at every
`
`stage in life. The trusted advice of your American
`
`Family
`
`Insurance agent will give you
`
`the
`
`confidence and security to pursue your dreams,
`
`no matter how they evolve along the way. Make
`
`sure you have protection for everything that matters
`
`most to you.
`
`
`
`The information in this brochure represents only a brief description of coverages

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