Residence – Comprehensive coverage for your home.
Related Private Structures – Covers detached structures on the insured premises.
Personal Property – Protection for your personal belongings.
Liability/Medical Payments – Provides defense and coverage for injury or damage in which you are liable.
Additional Living Expense – Provides for expenses that you incur if you cannot live in your home after a covered loss.
Equipment Breakdown – Coverage for your home appliances and equipment due to mechanical failure.
Fire Department Service Charge – Pays for charges incurred due to fire departments called to protect your property.
Refrigerated Property – Payment for direct loss to covered property stored in a freezer or refrigerator due to loss of power.
Replacement Cost Terms – Claim settlement for the home at replacement cost up to the policy limit if the residence is insured for at least 80% of the cost to replace the residence. (Included for Special Perils)