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Personal Insurance - Homeowners
We offer varying levels of
homeowners protection. Our most popular policy, the Form 3, provides the
following protection.Included
Coverage
Dwellings, Others Structures and
Additional Living Expenses
All are covered against nearly all causes of loss on a replacement cost
basis, subject to policy exclusions.
Personal Property
Personal Property coverage offers
protection against loss caused by these perils (subject to policy
exclusions): |
- Fire, smoke, explosion
- Lightning, wind, hail
- Riot, vandalism, civil commotion
- Theft, burglary, robbery
- Weight of snow, sleet, and ice
- Bursting of heating or hot water
systems
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Additional Living Expenses
This covers you and members of your
immediate family living with you for living expenses that are over your
usual expenses when your home is uninhabitable because of a covered loss.
Broad Form Liability
This covers you and members of your
immediate family living with you against lawsuits arising from bodily
injury and property damage as well as the cost of legal defense. Personal
injury, golf cart liability, and watercraft liability for most boats are
included at no additional premium.
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