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Homeowners Policy - Coverages
Dwelling Coverage
Your dwelling and personal property are covered by Homeowners against these as well as other specified losses and disasters:
Fire or Lightning
Falling Objects
Weight of Ice and Snow
Windstorm or Hail
Electrical Damage
Explosion
Damage by Aircraft
Damage by Vehicles
Smoke
Riot
Theft
Breakage of Glass
Vandalism
Collapse
Accidental Discharge
Freezing
Accidental Tearing Apart
Personal Property Coverage
Homeowners can provide full replacement cost coverage for most of your personal property. For a small additional premium, your
household contents may be insured for their replacement cost. Those articles of personal property that have special meaning and value may be specifically covered, at a modest fee, for their current value.
Legal Liability
Homeowners protects you against the unexpected, such as accidental injury to a house guest, damage accidentally done to your
neighbor's property, up to the policy limits, as well as covering your related defense costs..
Damage to Other's Property
Defense Costs
Personal Legal Liability
Medical Expenses
Extras That Don't Cost Extra
A storage
shed and even trees and shrubs are some of the incidentals for which Homeowners provides limited coverage at no additional cost. Some of our other special Homeowner policy features that are provided at no
charge to our valued customers include:
An Inflation Guard that automatically adjusts your dwelling to reflect changes in its value
Debris Removal
Watercraft Coverage
Coverage on a limited basis for your credit cards
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