Condo

Property

• Household Property – Covering your personal possessions for their replacement value.
• Scheduled Personal Property – Coverage for high-value items that must be scheduled due to policy coverage limits on that class of property (i.e. guns, furs and jewelry, etc.).
• Business Personal Property – coverage for personal property that is used in a business.

Coverage Enhancements Property

• Flood – Coverage for water damage to your property caused by temporary situation which lead to two properties or at least two acres of land to be inundated with water.
• Earthquake – Coverage for damage to building and contents caused by earthquakes.
• Water and Sewer Backup – Coverage for damage caused by backup of water and sewerage through drains and overflow from sump pumps.
• Equipment Breakdown – Coverage for an unexpected mechanical or electrical breakdown of equipment not caused by normal wear and tear or corrosion.

Loss of Use

• Additional Living Expense – Covers the actual loss incurred for increased expenses over and above what you normally spend for food, shelter, and related items.

Liability

• Personal Liability – Coverage for your liability if a bodily injury or property damage claim occurs where you could be liable.
• Property Of Others Liability – Coverage for property that is not your own, but in your care, custody or control.

Medical

• Medical Payments – Coverage for medical payment to an injured party on your premise regardless if you are liability or not.
• Pet Coverage – Coverage for illness or injury of your pet.

Other

• Identity Fraud Expense Coverage – Coverage for reimbursement of cost of restoring your identity after it has been stolen up to the limit of coverage.

Insurance Discounts

• Multi-Policy Insurance Discount – Ask your agent about multi-policy insurance discounts when you combine condo insurance with vehicle or life insurance or when you have policies with more than one home.
• Advanced Quote Discount – A discount for quoting home insurance in advance of renewal.

Customer Discounts

• Age of Insured Discount – A discount may apply if homeowner is 60 years or older.

Home Discounts

• Protective Device Discount – Get a discount if your condo has smoke detectors, fire extinguishers, sprinklers, deadbolt locks or burglar alarms.

Billing Discounts

• Billing Plan Discount – A discount for paying policy in full at inception.