Dwelling – The dwelling you reside in.
Personal Property – Your personal belongings.
Replacement Coverage on Contents – Settles claims for your personal property on a replacement cost basis.
Additional Living Expense – Expenses you incur if you cannot live in your dwelling after a covered loss.
Liability and Medical Payments – Injury or damage you are liable for.
Refrigerated Foods – Refrigerated items that spoil due to loss of power.
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.
Contaminated Milk – Up to $4,000 coverage for your own milk that is contaminated.
Fire Legal Liability – Damage you are liable for while occupying or renting a non-owned structure.