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. It is extremely important that you insure your home for its correct value. For more information, read this useful resource and contact your independent agent to discuss: Insurance to Value pdf.
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.