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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 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 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.1
When you might need this coverage:A fireTornadoPain and sufferingIf local authorities restrict you from entering your neighborhood due to other severe weather or hazards