Home Insurance Details

Included coverage

Named peril protection – The policy covers those causes of loss listed by name in the policy documents (fire, lighting, wind, hail, explosion, and others). It covers the essentials, but not everything. The list can be expanded with the optional Enhanced Coverage endorsement.

Actual cash value settlement – Losses are settled for the actual cash value (ACV), which takes depreciation into account. In many states we offer upgrades to full repair cost coverage or replacement cost coverage.

Liability – You are covered if an injury occurs to someone while on the premises, or if you accidentally injure someone or damage property away from your home.

Personal property – Your personal belongings are protected on an actual cash value basis if the home suffers a covered loss.

Other structures – Your shed, detached garage or fence are protected.

Additional living expenses – If a covered peril causes sufficient damage that you need to move out, we cover the extra living expenses until repairs are complete or you find a new home.

Reasonable expenses – We cover the cost for emergency repairs that prevent additional damage, such as covering a roof after a storm.

Breakdown protection – Widen the policy’s scope to include the repair or replacement of major appliances, HVAC and electronics due to mechanical or electrical failure.

Vandalism – Physical damage or defacement of the home is covered.

Limited burglary – If a forced entry leaves signs of visible damage (for example a broken window or jimmied door) we will cover the theft of personal items or permanently attached items such as a heat pump or even copper piping.

Optional coverage

Enhanced coverage for additional causes of loss

• Collapse
• Freezing
• Lockout assistance
• Power surge
• Falling objects
• Water discharge from plumbing, heating or cooling system

Full repair cost loss settlement – Coverage can be upgraded so that depreciation is not considered in determining the settlement.

Water backup – Add protection for damage caused by the backup of water from a drain or sewer.

Flexible payment options

Automate monthly installments with EZPay, or pay by check or credit card, either in full or in four payments.