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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

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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