Homeowner

Included Coverage:

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)

Optional Coverage:

Additional Residence– Liability coverage is extended to additional property you occupy or rent to others.
Farm Land Rented to Others – Liability coverage for farm land you rent to others.
Identity Fraud Expense – Expense reimbursement for costs associated with identity fraud.
Inflation Guard – Automatically increases your residence limit to protect against increased building costs
Inland Marine – Expanded coverage for your jewelry, guns, fine arts, etc.

Lock Replacement – Replaces your locks if your keys are lost or stolen.
Modified Replacement Cost – Provides replacement coverage for partial losses when the home is insured for less than 80% of the replacement value.
Motorized Vehicles– Increased coverage over the automatic limit on the policy for items such as motorized lawn and garden equipment used to service the premises.
Personal Injury – Coverage if you are sued for libel, false arrest, or slander.
Recreational Vehicle – Physical Damage and Liability coverage for acceptable boats, ATVs and snowmobiles.
Replacement Cost on Personal Property – Claim settlement for personal property on a replacement cost basis.
Residence under Construction – Collapse and Theft – Theft and collapse coverage while your new home is being built.
Trampoline Liability – For trampolines that include a safety net.

Tree Removal – For fallen trees due to wind.
Water Back Up and Sump Discharge or Overflow – For water damage that backs up through your sewer, drains, or sump pump.

Available Discounts:

New Home – Under 20 years of age.
Mortgage Free – Property without a mortgage or lienholder.
Senior Citizen – 55 years of age and over.