Homeowners

Property

• Dwelling – Coverage for damage caused to dwelling by a covered peril.
• Other Structures – Coverage for damage caused to an outbuilding by a covered peril.
• 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

• 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 liable 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 home insurance with vehicle or life insurance or when you have policies with more than one home.
• Advance 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 home has smoke detectors, fire extinguishers, sprinklers, deadbolt locks or burglar alarms.
• Roof Discount – Discount for having a roof that is made with an impact resistant material or for choosing coverage that applies to actual cash value of roof instead of replacement value.
• Age of Home Discount – Discounts apply based on age of home as well as new construction.

Billing Discounts

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