The homeowners policy provides protection for the following:
- Your home and garage.
- Your personal property such as furniture, clothing and appliances.
- Other structures on your premises such as a permanent utility shed or an in-ground swimming pool.
- Additional living expenses, over your usual expenses, when your home is uninhabitable because of a covered loss.
- Liability arising from lawsuits for bodily injury or property damage as well as the cost of legal defense.
- Medical payments which may be necessary because of injuries suffered by others,
either on your premises or by your actions.
- Trees, shrubs and plants
- Refrigerated property
- Damage to property of others
- Rekeying of locks
- Watercraft liability for most boats
- Power interruption
- Tree debris removal
- Arson reward
- Credit cards and fund transfer cards
- Heating fuel damage
- Check forgery
- Personal Injury Liability
NOTE: Coverages or discounts may not apply in all states. Some exclusions and limitations may apply.
What property perils are covered?
Some of the important property perils this policy covers are:
- Fire and Lightning
- Vandalism
- Hail
- Glass breakage
- Windstorms and Tornadoes
- Falling trees
- Smoke
- Water damage
- Theft
- Weight of ice and snow
- Vehicle damage
- Freezing of plumbing
- Aircraft
- Electrical damage to appliances
- Explosions
- Damage to dwellings from chemicals
- Strikes and Riots
- Any other accidental damage to buildings
NOTE: Coverages or discounts may not apply in all states. Some exclusions and limitations may apply.
What optional coverages are available?
These optional coverages are also available:
- Special Personal Property Coverage... Adds coverage for additional risks of loss for personal property.
- Personal Property Replacement Cost... Provides replacement cost coverage for your personal property if it is stolen, or damaged by a covered peril.
This coverage replaces old contents with new. - Homeowners Plus... A package of valuable coverages which protects you
from the following types of loss:
Food spoilage resulting from power outage or mechanical failure to your refrigerator or freezer; Glass breakage - waiving of your deductible up to $250; Property damage caused by backup of your sewer or sump-pump; Mortgage Extra Expense. - Identity Theft
Expense Coverage... Provides coverage for expenses incurred to restore your financial identity. These expenses include, but are not limited, to the following:
-- Preparation and notarization of documents,
-- Loan Loan reapplication fees,
-- Lost earnings as a result of time off from work,
-- Reasonable attorney fees, and
-- Bond premiums. - Earthquake Damage... Covers damage to your property resulting from an earthquake.
- Scheduled Personal Property... Protects those treasured possessions for their full value against most causes of loss. Some items which deserve this coverage are jewelry, musical instruments, furs, silverware, fine arts, personal computers, boats or recreational vehicles.
- Recreational Watercraft Liability... Covers your liability for outboards, inboards, inboards/outboards, waterjets and sailboats.
- Additional Residence Premises Liability... Provides liability for one to four family rental dwellings you may own or rent to others.
- Professional Liability... Protects your operation as a beautician or barber when your office is located in your home. Coverage is also available for teachers and school administrators.
- Incidental Business Liability... Provides coverage if you use your home or outbuilding for certain incidental occupancies. In addition to liability coverages related to the business, the policy also covers business property located at or away from the residence.