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Homeowners Coverages

Homeowners Coverages

Dwelling
Coverage for your home structure.
Other Structures
Coverage for structures on the residence premises that are detached from the home. Examples include fences, detached garages and outbuildings.
Personal Property
Coverage for personal property whether in your house or anywhere in the world. Special limits apply to money, gold, securities, watercraft, trailers, jewelry, firearms, silverware and electronic equipment.
Loss-of-Use
Coverage for comparable alternate living arrangements for your family when your dwelling is made uninhabitable by a covered peril.
Personal Liability
Protects you against claims made against you for bodily injury or property damages including defense costs.
Medical Payments
Pays medical payments to others if medical treatment stemming from an accident causing bodily injury is required. This coverage does not apply to you, your family or regular residents of your home.
Homeowners Plus
Provides personal injury coverage and increases special limits on coverage over the standard homeowners policy including:
  • Money
  • Securities
  • Watercraft
  • Loss by theft of jewelry, furs, silverware and firearms
  • Ordinance and law
  • Key and lock replacement
Extended Dwelling Replacement Cost
Covers your dwelling for an extended limit to protect you in the event of a large loss.
Scheduled Personal Property
Coverage for personal property at specific values for replacement cost at the time of loss. Typically used for items like jewelry, cameras and collectibles.
Building Ordinance and Law
Coverage against loss resulting from ordinances or laws regulating the construction, repair or demolition of property enacted after the dwelling was built.
Identity Theft Coverage
Provides resources and support for restoration of your identity with credit rating agencies and other creditors in the event of identity theft.
Equipment Breakdown Coverage
Coverage for physical loss or damage to coverage property. Examples of covered property include air conditioners, heating systems, water heaters and pool filtration systems.
Earthquake and Flood Coverage
Losses due to earthquakes and floods are not covered under the basic homeowner’s policy. To insure for these perils, coverage can be purchased separately.

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