Coverages

Dwelling
Covers your home and any structures against most types of losses.

Other Structures
Covers all other structures on your property set apart from your home by a clear space against most types of losses.

Personal Property
Covers personal property owned or used by you, anywhere in the world.

Loss of Use
Pays necessary living expenses incurred if you have a covered loss and are unable to reside at home.

Personal Liability
Protects you against a claim or lawsuit for damages due to bodily injury or property damage.

Medical Payments
Pays necessary medical expenses resulting from accidental injury to others.

Additional Coverage Options

Replacement Cost Protection
Insures your home for the full price of repairing or replacing it, regardless of how much it costs.

Personal Property Replacement Cost
Pays the cost of repairing or replacing personal property if damaged or destroyed.

Additional Protection
Increases the limit for claims on items such as money, watercraft and business property and trailers. Also increases the limit for liability and insurance medical payments as well as providing personal injury coverage.

Personal Injury
Extends coverage for a loss arising out of false arrest, libel, slander, or invasion of privacy.