Dwelling Insurance

I have a house - What are my coverage options?

Your property policy will include these coverages:

Dwelling Protection
Protection for Other Structures
Personal Property Protection
Family Liability Protection
Guest Medical Protection
Additional Living Expenses and other Additional Protection

You can also choose the level of protection that's right for you:

Deluxe Plus Homeowners: For private homes. The most comprehensive coverage we offer.
Deluxe Homeowners: For private homes. Excellent protection, but less coverage than Deluxe Plus.
Standard Homeowners: Coverage for those homeowners who don't need more extensive protection.

You may also consider:

Is there a disparity between the market value and replacement cost of your dwelling? We have two additional property insurance options.

Deluxe Select Value Homeowners-For private homes. Excellent coverage for those homes where a disparity existes between the market value and replacement cost.
Standard Select Value Homeowners-For private homes. Good coverage but less extensive than Deluxe Select Value.

And

Residential Fire:
Good coverage, but less comprehensive than a homeowner's policy. Less extensive coverage than the previous options. Does not provide liability coverage.

We offer property insurance products for homeowners who, for example, have prior loss experiences, live between 5 and 15 miles from fire protection or possess an unsatisfactory credit rating.

You can personalize your policy with optional coverages such as:

Home Day Care Coverage
Sporting Goods/Firearms
Building Structure Reimbursement Extended Limits endorsement*
Building codes coverage**
Increased coverage on business property
Increased coverage on electronic data processing equipment (Such as a computer).
Fire Department charges
Loss assessment coverage
Extended coverage on money, securities, jewelry, watches and furs
Incidental Office, Private School or Studio coverage
Lock replacement coverage**
Business pursuits coverage
Satellite Dish Antennas coverage
Cellular communication systems coverage (Such as cellular phones and cellular fax machines)
Scheduled Personal Property
Increased coverage on theft of silverware
Earthquake coverage

*We'll pay up to 120% of the Dwelling Protection coverage limit indicated on your Policy Declarations to repair, rebuild or replace your dwelling after a covered loss.

**All coverages are subject to availability and qualifications. Other terms, conditions and exclusions may apply. This is a brief description of coverages; this is not a contract. Please read the policy for full details.