Your house and separate structures are covered for almost any type of damage, except for a few common exclusions listed in the policy such as wear and tear, earth movement, earthquake, flood and nuclear hazard.  Earthquake coverage is available for an additional premium.

Your house including any attached structures and wall-to-wall carpeting is covered.  Our built-in Value Protection Feature adjusts your policy limit based on current construction costs so there is no worry about inflation.

Your separate structures on your property, other than for business purposes, such as a detached garage or tool-shed, are covered up to 10% of the amount of coverage on your house.  Higher limits are available for additional premium.

Personal Property

On premises, pays up to 55% of the amount of coverage on your house anywhere else in the world.  If your personal property is located at a secondary residence, such as a cabin or vacation home, pays up to $1,000 or 10% of the On Premises coverage, whichever is greater.

Optional higher limits are available

Damages

While your house is covered for most types of damages, your personal property is covered for damages resulting from the following:

• Fire or Lightning
• Windstorm or Hail
• Explosion
• Riot or Civil Commotion
• Falling Objects or Aircraft
• Vehicles
• Smoke Damage: Sudden and accidental
• Vandalism
• Theft
• Weight of Ice, Snow or Sleet
• Water or Steam - accidentally discharged from a plumbing system or heating systems and water heaters
• Damage resulting from bulging, cracking, rupture and burning of steam or heating systems and water heaters
• Electrical Damage to appliances and fixtures (but not tubes or transistors)
• Freezing of plumbing, heating, air conditioning systems or household appliances.

Loss of Use / Additional Coverages

Loss of use if you can't live in your house after a covered loss, we cover the additional cost of living in hotels, meals, etc.  Pays up to 30% of the amount of insurance on your house as an additional coverage, with no deductible.  Also pays for loss of rents if that portion of your house/property rented to others is unliveable.

Trees, Shrubs, Plants, and Lawns.... pays up to an additional 5% of the amount of coverage on your mobile home and no more than $500 per item for a loss by Fire or Lightning, Explosion, Riot or Civil Commotion, Aircraft, Vehicles not owned or operated by a family member, Vandalism and Theft.

Personal Liability Protection

Pays for bodily injuries to other people, or damage to their property, if you are liable, resulting from:

• The use of your premises, including swimming pools, if it's a one or two unit family dwelling.
• Other residential property you use as a rental can also be added.
• That acts of your pets.
• Unintentional acts committed by you or qualified family members, including hunting, fishing, and other sporting activities.

Pays for medical payments for other people injured on your premises, regardless of liability.

Additional Liability Coverages

• Pays expenses in a suit we defend on your behalf, such as court costs, attorney fees, investigator fees, expenses of witnesses and witness fees. 
• Pays the premium on bonds required in a suit we defend
• Pays expenses you incur for necessary medical aid to other people at the time of an accident covered by the policy.
• Pays up to $500 for damage to property of others caused by a qualified family member where you are not legally liable.

Optional Coverages

• Personal Articles Floater

Extends protection for your personal articles, such as jewelry, furs or fine arts, when their value is higher than the limits stated in the policy.  Pays up to the insured value of the article.

• Contents Replacement Cost

Extends protection on your personal property to include the cost of repair or replacement without deduction for depreciation.  This optional coverage pays the replacement cost up to four times the actual cash value of the item but not more than the policy limit.

• Guaranteed Replacement Cost on Buildings

Extends protection to rebuild your house and separate structures, even if the cost is higher than the stated limits on your policy as long  as all qualifications are met.

• Personal Umbrella Liability (Separate Policy)

Provides coverage for a million dollars or more of excess personal liability protection and, subject to exclusions, protection for many situations not covered by your homeowners insurance.

• Earthquake

Extends protection for damages caused by an earthquake up to the policy limit, subject to a deductible.

• Flood

Coverage for flood is available from the Federal Flood insurance program.  If you are interested, we can help you submit your application.

Mortgage Protection

If you, your spouse or both die, would your family be able to afford to continue living in your house?

Our Mortgage Protector plan is designed to eliminate this risk by providing cash to pay off the mortgage balance or to continue the monthly payments.

Discounts / Credits

(Not available on all policies or in all states.) New homes or home renovation discount (Electrical System Discount in Minnesota and Missouri)

If your house was constructed, or its electrical, plumbing and heating/air conditioning systems have been renovated withing the past eight years, you qualify for the APPLICABLE DISCOUNT.  The actual discount depends directly upon the age of your house or renovation.

• Non-Smoker Discount

If the qualified family members of your household have not smoked tobacco products in the past two years, you can save money with our Non-Smoker Discount.

• Protective Devices Discount

You may qualify for this discount if your house is equipped with one or more of the following safety features: a fire or smoke alarm, a burglar alarm, deadbolt locks, a fire extinguisher, or an automatic sprinkler system.

• 50 Plus Discount

If you are 50 years old or above, you may qualify for the 50 Plus Discount.  The discount varies according to your age.

• Auto / Home Discount

If your automobile is also insured through us, you may qualify for this discount.