Do you own your home?

STANDARD PROPERTY COVERAGES

• Dwelling Your home and any structures attached to it are insured for damage caused by nearly anything. Your loss settlement is based on replacement cost, provided you insure your home for at least 80 percent of its total replacement value and provided the repairs are actually made.
• Other structures Your gazebo, garage, swimming pool, retaining walls, fences and other detached structures are covered for the same types of loss as your home, and are insured collectively for up to 10 percent of your dwelling limit.
• Personal property The contents of your primary residence and all your personal belongings are insured on an actual cash value basis up to 50 percent of your dwelling limit. Coverage applies wherever your items happen to be—at home, in transit, in storage, anywhere in the world!
• Loss of use If a fire or other covered loss makes it temporarily impossible for you to live at home, your policy pays for the extra living expenses you incur until repairs are completed.

• Total home replacement This option guarantees that your home will be fully rebuilt even if the cost exceeds the amount of insurance you purchased. However, your home must be insured to 100 percent of its current replacement cost for this coverage to apply.
• Replacement cost coverage for your possessions This option upgrades your coverage so that all your belongings are replaced with new items, regardless of their age or condition, rather than at actual cash value as the basic policy provides.
• Trees, shrubs and plants These items are insured up to 5 percent of your dwelling limit (up to $500 per item) against damage caused by fire, lightning, explosion, riot, aircraft, vehicles not owned or operated by a household resident, vandalism and malicious theft.
• Credit cards If you’re obligated to pay funds due to theft or unauthorized use of your credit cards or fund transfer cards, you have $500 coverage, with no deductible. Also covered are forgery and counterfeit currency.
• Fire department service charge We’ll pay up to $500—with no deductible—for charges you incur each time you require these services to save or preserve the property you insure with us.
• Ordinance or law In most states, our policy includes special coverage (up to 10 percent of your dwelling limit) for extra expenses you incur following a covered loss to bring your home "up to code."

• Personal liability You don’t want to leave the house without this coverage. If you are ever faced with a claim or lawsuit for injuring others or damaging others’ property, this coverage pays up to your liability limit for damages awarded to the "injured" party. We’ll also pay the cost of defending you, even if the suit is groundless.
• Medical payments to others This "goodwill" coverage pays medical expenses—up to $1,000 per person—for anyone (other than a family member who resides with you) who is accidentally injured on your property, whether or not you caused the injury. Also covered—again up to $1,000 per person—are medical expenses for anyone injured off your premises if you are liable. Higher limits are available.

If you haven’t found what you’re looking for or if you have additional questions, contact an agent in your area. Or, get in touch with our office nearest you.

Note: These coverages are not available in all states. In the event there are discrepancies between this information and your policy, the terms of your policy will govern. Consult your independent insurance agent for more information.

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