Coverage Descriptions

A. Dwelling

This coverage includes the living area of the physical structure or dwelling up to the limit shown on your policy. This does not include detached structures, i.e. swimming pools, driveways, fences, sheds, or other structures not attached to the dwelling. This coverage should equal the replacement cost to rebuild a new home in the event of a total loss. This includes materials and labor and is generally derived by the average cost to rebuild a home in your specific location. The company relies on information gathered from contractors in your general area. NOTE: Land value is not included in the valuation of replacement cost on your dwelling. General Perils include: Theft, Fire, Lightening, Windstorm, Snow, Hail, Rain and Smoke, Vehicle and Aircraft Damage, Vandalism and Malicious Mischief. Please refer to your policy for a complete list of covered perils and excluded perils.

B. Other Structures

This coverage includes those structures on the property, which are not the living area or attached to the dwelling, up to the limit shown on your policy. These include swimming pools, driveways, fences, sheds, etc. General Perils include: Theft, Fire, Lightening, Windstorm, Snow, Hail, Rain and Smoke, Vehicle and Aircraft Damage, Vandalism and Malicious Mischief. Please refer to your policy for a complete list of covered perils and excluded perils.

C. Personal Property

This coverage includes the personal belongings owned by you and located on the residence premises, up to the limit shown on your policy. It includes all tangible, moveable personal property i.e. appliances, furniture, clothing, artwork, silverware, dinnerware, cookware, audio-visual equipment, lawn care equipment, books, and many other items. General Perils include: Theft, Fire, Lightening, Windstorm, Snow, Hail, Rain and Smoke, Vehicle and Aircraft Damage, Vandalism and Malicious Mischief. Please refer to your policy for a complete list of covered perils and excluded perils.

D. Additional Living Expenses

The living area of the physical structure or dwelling. This does not include detached structures, i.e. swimming pools, driveways, fences, sheds, or other structures not attached to the dwelling. General Perils include: Theft, Fire, Lightening, Windstorm, Snow, Hail, Rain and Smoke, Vehicle and Aircraft Damage, Vandalism and Malicious Mischief. Please refer to your policy for a complete list of covered perils and excluded perils.

E. Comprehensive Personal Liability

Your policy will cover liability claims, up to the limit shown on your policy, resulting from injury or negligence on your property or worldwide. Coverage is not provided for family members living within the household. Coverage may be increased for an additional premium. If liability coverage beyond the limits available from your company is desired, you may choose to obtain a Personal Umbrella policy. An umbrella policy will pick up the liability limits after your auto or homeowner policy is exhausted, up to the limit of the Umbrella. Umbrella liability limits vary from $1 million and up.

F. Medical Payments to Others

Your policy will cover medical payments, up to the limit shown on your policy, to individuals/guests injured as a result of an accident on your property or due to your negligence. Coverage is not provided for family members living within the household. Coverage may be increased for an additional premium. Deductibles The deductible is the co-insurance amount you pay towards a settled claim. This is not an out-of-pocket expense. When the Company disburses the final check of a claim, it is decreased by the deductible amount shown on your policy. Deductibles can be increased, resulting in a premium savings, or lowered, resulting in an additional premium charge. Deductibles may be different for certain perils depending on the location of your property. In coastal locations where windstorm is a threat, the company may require a higher windstorm deductible.

Optional Policies

Earthquake
Flood
Windstorm

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Other Policy Types
Condominium
Renters
Flood
Earthquake
Jewelry, Furs, Fine Arts