Dwelling – The dwelling you reside in.
Related Private Structures – For detached structures on the insured premises.
Personal Property – For your personal belongings.
Additional Living Expense – Expenses you incur if you cannot live in your dwelling after a covered loss.
Liability/Medical Payments – For injury or damage you are liable for.
Fire Department Service Charge – Charges incurred due to fire departments called to protect your property.
Replacement Cost Dwelling – Settles claims for the dwelling at replacement cost up to the policy limit.
Refrigerated Foods – For refrigerated items that spoil due to loss of power.