Homeowners Insurance
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Property Coverage
- Covers your home, attached structures and separate structures
- Coverage is for most types of damage
- *some exclusions are earthquake, flood and normal wear
- Replacement cost is the basis for all other property related coverages
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Personal Property
- Coverage determined upon a percentage of the replacement cost of your home
- Property is covered anywhere
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Personal Liability
- Pays for bodily injury or property damage to others resulting from
- Use of your home
- Unintentional acts committed by you or qualified family members
- Acts from your pets
- Includes costs to defend claims and/or lawsuits
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Loss of Use
- If home is unfit to live in, than additional living costs may be covered
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Medical Expenses to others
- Regardless of liability there may be coverage medical payments for people other then residents of your household
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Optional Coverage
- Extended coverage for certain categories of personal property
- Increased monetary limitations and broadened coverage provisions
- Scheduled and Unscheduled coverage available
- Additional premium required
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