HOME INSURANCE DEFINED

Property

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Home insurance provides coverage for damage to your home and separate structures, typically caused by wind, fire and vandalism (subject to limitations and exclusions)

Personal Possessions

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Your personal property is covered anywhere in the world.  Coverage is comprehensive and includes many types of damage and causes of loss. Contents Replacement Cost is included and pays for the cost of repair or replacement without deduction for depreciation. 

Liability

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Liability insurance protects you when you are legally liable for someone else's bodily injury or property damage resulting from an accident or negligent acts by you or family members,  on or off your property.

Medical Payments

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Pays medical costs for people who are injured at your residence (other than residents of your household), regardless of who is liable.

Additional Living Expenses

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Covers additional living expenses for up to 24 months (depending on policy type) if a covered loss makes your home unfit to live in.

Optional Coverages

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Floater Policies

Identity Shield

Personal Umbrella

Flood