Covered by Personal Property Replacement CostOPTIONAL COVERAGE
In the event of a covered loss, we'll pay the actual cash value for items at the time of loss, then up to the full amount of the cost in today's market.
What you should know about this coverage:This coverage distinguishes how you would like your items valued if damagedYour deductible for this coverage is your Personal Property deductible
Covered by Blanket JewelryOPTIONAL COVERAGE
Replaces your jewelry if it is lost or stolen, with no deductible or up-front appraisal necessary.
Covered by Personal Liability and Medical Payment to OthersCOMES STANDARD
Covers you in the event of injury or property damage to somebody else.
This coverage helps pay for:Medical bills of someone injured on your propertyRepair of accidental damage to someone else's propertyLegal costs if you are sued in certain situations
Covered by DwellingCOMES STANDARD
Covers your home and the structures on your property.
This coverage helps pay for:Damage to your homeDamage to other structures like a fence or drivewayIncludes protection from fire, water, weather, theft, and vandalism
Covered by Wind/HailCOMES STANDARD
Covers your property for damage caused by wind and hail.
What you should know:Designated specifically for wind and hail damage, not just weather damageYour state may require a separate deductible for this coverage
Covered by HurricaneOPTIONAL COVERAGE
Covers damage to your property in the event of a hurricane.
What you should know:Designated specifically for hurricane damage, not just weather damageYour state may require a separate deductible for this coverage
Covered by Escape of WaterOPTIONAL COVERAGE
Covers damage caused by water back up and overflow.
This coverage helps pay for damage from:SewersDrainsSump pump wells
Covered by Additional Living Expenses/Loss of RentCOMES STANDARDCovers any necessary increase in living expenses incurred by you and your house so that you can maintain their normal standard of living.2
When you might need this coverage:A fireTornadoIf local authorities restrict you from entering your neighborhood due to other severe weather or hazards
Covered by Inflation ProtectionOPTIONAL COVERAGE
Automatically adjust your coverage limits at your policy’s renewal to keep pace with inflation and you will also receive a discount on your policy premium.