Homeowners Insurance Highlights

Property Insurance – Protects your home and belongings against damage from a wide range of perils, including: fire, lightning, windstorm, hail, theft, explosion, smoke, vandalism, malicious mischief, riot, vehicles, falling objects, accidental discharge of water or steam from things like plumbing and air conditioning systems and sudden and accidental damage from artificially generated electrical currents.

Protection For Your Belongings – You receive coverage for your possessions, no matter where they are – anywhere in the world.

Replacement Cost Coverage – Pays you what it would cost to repair or replace your home up to the policy limit with no deduction for depreciation – providing your limit of insurance meets policy conditions and provisions.

Liability Insurance – Protects you if you’re faced with a property damage or bodily injury claim or lawsuit. You also receive legal defense for covered situations.

Built-In Protection For Additional Living Expenses – If a fire, storm or other insured disaster forces you out of your home, you’re reimbursed for temporary, reasonable additional living expenses such as the cost to live elsewhere, restaurant bills and laundry.

Built-In Protection For Increased Cost to Rebuild - You may receive an additional 25% of the cost to rebuild your home due to the operation of a law or ordinance.

Optional Replacement Cost Coverage For Your Belongings – Helps you get exactly the right insurance for your situation.

Additional Protection For Valuables – Higher limits of insurance for things like jewelry and silverware are also available to eligible homeowners.

Optional Increased Liability Insurance