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1. Parties: Identification of the insurance provider and the insured renter

2. Background: Context of the insurance agreement and purpose of the coverage

3. Definitions: Detailed definitions of key terms used throughout the agreement

4. Coverage Details: Specific description of what is covered under the insurance policy, including personal property, liability, and additional living expenses

5. Premium and Payment Terms: Details of premium amounts, payment schedules, and payment methods

6. Policy Duration and Renewal: Terms regarding the policy period, renewal conditions, and termination provisions

7. Claims Process: Procedures for filing claims, required documentation, and timeframes

8. Exclusions: Specific circumstances and items not covered by the insurance policy

9. Duties After Loss: Policyholder's obligations following a loss or damage incident

10. General Conditions: Standard terms and conditions applicable to the policy

11. Cancellation and Termination: Conditions and procedures for policy cancellation by either party

12. Governing Law and Jurisdiction: Specification of Philippine law application and jurisdiction

13. Notices: Methods and requirements for official communications between parties

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