Our Gold, Silver and Bronze policies provide insurance for owners of one- and two-family dwellings. Our key coverages include:
Dwelling Coverage: Your home is covered for most causes of direct physical loss without deduction for depreciation as long as the damaged property is repaired or replaced.
Other Structures: Any structures on your residence premises that are set apart from the dwelling, such as a detached garage or shed, are covered for most causes of direct physical loss.
Personal Property: Your personal property is covered for the following causes of loss, subject to some restrictions:
- Fire or lightning
- Windstorm or hail
- Explosion
- Riot or civil commotion
- Damage caused by aircraft
- Damage caused by vehicles
- Smoke
- Vandalism or malicious mischief
- Theft
- Falling objects
- Weight of ice, snow or sleet
- Water escape from a plumbing, heating, or air conditioning system
- Collapse
- Freezing
- Discharge from an artificially generated electrical current
- Volcanic action
Loss of Use: If your residence becomes uninhabitable because of a covered loss, you will be compensated for any increased expenses you incur in order to maintain your normal standard of living.
Personal Liability: You and family members who reside in your household are protected for bodily injury and property damage to others caused by a covered accident for which you are liable. This coverage also includes defense costs.
Medical Payments to Others: If a visitor to your home is injured in an accident, you are covered for the necessary medical expenses incurred because of bodily injury, without regard to liability.