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  Dwelling

  Coverage for damage to your house and any permanent structures on your property (unless the cause of the damage is specifically excluded in your policy).

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  Other Structures

  Coverage for physical structures that are on your property and not attached to your home. Examples include screen enclosures, carports, pools, fences, and sheds.

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  Personal Property

  Coverage for your personal belongings, for example, furniture, clothing, jewelry, electronics, entertainment equipment.

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  Loss of Use

  Coverage for expenses beyond replacing your physical and personal property, e.g. renting an apartment while your home is rebuilt.

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  Personal Liability

  Coverage if you damage someone else's property.

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  Medical Payments to Others

  Medical Payments to Others

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  Deductible Options

  Deductible options are $500, $1,000 and $2,500 for all types of perils except hurricane.

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  Hurricane Deductible

  Options are two, five, or ten percent of the dwelling coverage limit.

• Animal Liability

  Provides animal liability coverage of $25,000 and medical payments of $2,000. Certain restrictions apply and are noted in your insurance policy.

• Personal Property Replacement Cost

  Selecting Replacement Cost on Personal Property / Contents would allow you to purchase a brand new item to replace your lost one. If you do not select this coverage, you would receive the fair market value of the item at the time of the loss.

• Increased Limits - Premium Special Packages

  Plus, Gold and Platinum Premium Packages offer changes in coverage on a package basis for money, credit card/forgery, jewelry/furs, personal injury, personal liability, medial payments, water back-up & sump overflow.

• Permitted Incidental Occupancy

  Provides coverage for certain businesses conducted by an insured on the property. Examples of permitted incidental occupancies include offices, schools or studios meaning offices for business or professional purposes, and private schools or studios for music, dance, photography and other instruction purposes.

• Earthquake Coverage

  Provides coverage against a loss resulting from an earthquake.

• Scheduled Personal Property

  Additional coverage that's over and above the typical coverage in a homeowners' insurance policy. Scheduled personal property protects valuable items that are out of the ordinary and need to carry separate coverage to ensure that their full value is covered in the event of a claim.

• Golf Cart

  Provides Golf Cart personal property coverage up to $5,000.

• Identity Theft Expense Coverage

  Pays for expenses incurred by an insured as a direct result of any single identity theft or fraud first discovered or learned of during the policy period and provides coverage up to a limit of $25,000.

• Screened Enclosure, Carport and Awning Coverage (HO-3 Only)

  The policy includes $10,000 of the Coverage A for losses to screened enclosures, aluminum-framed carports or awnings. It may be increased in increments of $10,000 up to a maximum of $50,000.

• Limited Fungi, Wet or Dry Rot, Yeast or Bacteria Coverage Increased Limits (Section 1)

  Provides coverage to pay for loss to covered personal property that is damaged by fungi, wet or dry rot, yeast or bacteria in the home up to the coverage limit.

• Limited Fungi, Wet or Dry Rot, Yeast or Bacteria Coverage Increased Limits (Section 2)

  Provides coverage to pay for damages because of bodily injury or property damage involving the inhalation of, ingestion of, contact with, exposure to, existence of, or presence of any fungi, wet or dry rot, yeast or bacteria up to the coverage limit.

• Jewelry and Furs Coverage– Increased Special Limits

  Provides increased Coverage C limit for Jewelry and Furs based on amounts selected.

• Silverware Coverage – Increased Limits

  Provides increased Coverage C limit for Silverware based on amount selected.

• Loss Assessment Increased Limits

  Provides coverage when you are assessed for certain kinds of covered losses up to the stated coverage limit.

• Sinkhole Coverage

  Protects homeowners from structural damage to their home resulting from confirmed sinkhole activity. Sinkhole coverage is different from CatastropSHF Ground Cover Collapse coverage, wSHFh is typically covered by your homeowners policy. Sinkhole coverage may be added at new business or renewal after inspection. Certain restrictions apply and are noted in your insurance policy.

• Water Backup and Sump Overflow

  Protects against direct physical loss caused by water wSHFh backs up through sewers or drains.

• Flood Endorsement

  As a homeowner or renter, it’s imperative that you protect your property from disasters that may occur in your area. As one of the most likely disasters in the U.S., floods can strike anywhere. Even if your region isn’t considered a likely area for flooding, you may want to consider the option of flood insurance. Flooding can occur following a disaster like a hurricane or a severe storm, and can be the direct result of rising water levels nearby.

  Our flood endorsement replaces the need for a standalone flood policy and is designed to cover your personal possessions up to a selected coverage amount. Our endorsement exceeds the normal limits of a standalone policy and can provide up to $2,000,000 of coverage for your home and up to $1,000,000 of coverage for your personal belongings.

Save year after year with policy discounts. Don’t worry if you do not currently have a qualifying burglar or fire alarm. Install them at a later date and we’ll add the credit to your policy. Even making heating, plumbing and electrical updates down the road can save you money on your policy.

• Burglar alarm

  Save money with an alarm that alerts the policy directly or one that is monitored by a third party who alerts the police.

• Fire sprinklers

  Some homes and buildings may have sprinklers that go off automatically when a fire is detected.

• Age of home

  Replace your roof and/or make qualifying heating, plumbing and electrical updates to save money on your policy.

• Building code

  We’ll access the building codes of your property to find out if they are current enough to qualify for a discount.

• Fire alarm

  Save money with an alarm that alerts the fire dept. directly or one that is monitored by a third party who alerts the fire dept.

• Updates

  Replace your roof and/or make qualifying heating, plumbing and electrical updates to save money on your policy.

• Prior insurance

  You can save money by simply having prior home, condo or renters insurance for where you live now.

• Hail resistant material

  Hail resistant roof material is a stronger and more flexible roof material used to reduce and even prevent damage from hail.