Dwelling – The dwelling you reside in.
Related Private Structures – The detached structures on the insured premises.
Personal Property – 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.
Replacement Cost on Contents – Settles claims for personal property on a replacement cost basis.
Inflation Guard – Automatically increases your dwelling limit to protect against increased building costs.
Lock Replacement – Replaces your locks if your keys are lost or stolen.
Tree Removal – For fallen trees due to wind.
Refrigerated Foods – For 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.