Coverage perils can be selected as
All physical damage is covered except exclusions such as war, nuclear radiation, earthquake, flood, radon, and others listed in the policy.
Claim Settlement Options include
(Building Alterations & Additions, Other Structures, Personal Property) Depreciation for age, wear, tear
You may include additions, alterations, fixtures, improvements, & installations made by & exclusively used by you. The $5,000 limit may be increased.
You may choose perils and claim settlement options.
$3,000 per item / $3,000 per class Guns / Furs / Jewelry / Silverware
Unit owners may be assessed for insurance claims by the association. The $5,000 limit may be increased.
Raising your deductible (portion you pay) lowers your premium.
Covers the additional expenses, up to 12 months, you incur while your home is rebuilt after a covered loss.
Offers assistance to visitors injured at your home, even when you are not negligent.
Provides legal defense and a settlement to those you may injure, or for property you may damage.
ID Recovery; $5,000 Theft limit in special classes;
We ask for the opportunity to review your needs when purchasing home insurance. We also provide a written review each year.
DISCLAIMER: This brochure is provided as a convenient summary. It is not an offer of coverage. Details, limitations and exclusions are found in the actual policies.