Home Insurance

If Your Home and Personal Possessions Were Damaged or Destroyed by Fire or Another Insured Peril...

• Would you be able to rebuild?
• Could you replace your belongings?
• Where would you live?
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Homeowners Insurance Could Provide the Answers...

You Can Purchase the Optional Building Structure Reimbursement Extended Limits Endorsement
For an additional premium, you can select the optional Building Structure Reimbursement Extended Limits Endorsement. If you purchase this option, we will pay up to 125% of the applicable limit indicated on your policy declarations to repair or replace your dwelling after a covered loss (subject to policy terms and conditions).

Your Belongings Are Protected
If you purchase the Personal Property Reimbursement option, we will settle covered losses to many of your personal property items based on the cost you incur to repair or replace them, subject to applicable coverage limits and other policy terms and conditions.

You'll Have Additional Living Expense Coverage
We will pay the reasonable increase in living expenses necessary to maintain your normal standard of living, for up to the amount of time specified in the policy, if a covered loss makes your home uninhabitable (subject to policy terms and conditions).

A Brief Explanation of Your Policy Coverages

Your Dwelling and Personal Property
Provides protection against covered loss to your home from almost any peril, except those specifically excluded in the policy. Your personal property is protected against covered loss from a number of named perils. The following are some examples:

• Fire
• Lightning
• Smoke
• Vandalism/Riot
• Explosion
• Wind & Hail
• Water Damage from Plumbing, Steam or Water Heating Systems
• Freezing of Plumbing
• Falling Objects

For information about an optional flood insurance policy, click here.

Theft and Liability Coverages

You'll Have Protection Against Loss From Theft
Whether it occurs on or off your premises, whether it's a holdup or burglary, your policy provides coverage for theft, subject to policy terms and conditions. Additional protection is also included for stolen and forged checks, credit card theft and counterfeit money.

You'll Have Family Liability Protection
You and your family members are protected against certain liability claims brought by others for accidental bodily injury or damage to their property (subject to policy terms and conditions). This protection does not cover auto liability claims.

Your Guest Will Have Medical Protection
Your guest who are accidentally injured on your property as a result of a covered loss, will be paid for the medical expenses they incur, regardless of who was at fault (subject to policy terms and conditions).