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Personal Lines Coverage Highlights

COVERAGE FEATURES WHAT IT MEANS WHY IT MATTERS
Guaranteed Rebuilding Cost Coverage is provided with
no cap or limitation on the cost
to rebuild the home.
With Guaranteed Replacement Cost coverage,
the insurance company will pay to
rebuild your home to the same like
and quality even if doing so exceeds the policy limits.
Cash Settlement Option In the event of a total loss,
you can opt to receive a cash settlement,
up to the coverage limit,
rather than rebuild on-site
In the unfortunate event your home is destroyed,
a cash payout allows you to rebuild elsewhere
or purchase a new home
Law or Ordinance Coverage The insurance company will pay for
required upgrades necessary in order
to satisfy local building ordinances during the rebuilding process.
Covers you for expenses tied to
required changes that are directly linked
to the property damage
Contents away from premises Coverage for property that is lost,
damaged or stolen outside of the insured residence.
The comfort and security to know that
your personal property is protected everywhere!
Damage caused by Domestic Pets Provides coverage for the costs associated with items damaged by pets This feature is typically exclude from most standard policies
Landscaping Coverage is provided for losses to landscaping
usually up to 5% of the coverage limit
or as needed with a max of $5,000 for any one tree, shrub or plant
Most people aren't aware of the value of trees and shrubs until you have to replace them.
Valuables Coverage Extension Policies will pay market value up to 150% of scheduled
items with NO deductible. Policies also grant
a limited amount of automatic
coverage for newly acquired items
In many cases, the basic form only covers
items which are specifically scheduled and
doesn't offer any blanket coverage for valuables
and fine arts.
Waiver of Deductible If your loss is greater than $50,000 than
the deductible is waived
In the event of a large loss, out-of-pocket
expenses are minimized
Unlimited loss of use Covers additional living expenses in order
to maintain standard of living while home
is being repaired.
In the event that you are forced to be out
of the home for a while, its nice to know that
you can maintain a similar
standard of living for your family while the repairs are being made.