Property Insurance

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Protect your home, your household and personal property.
 

                                              YOUR HOME                                      YOUR HOUSEHOLD GOODS                               LEGAL LIABILITY

                                        and related structures                          and personal property either broad

                                           all risk protection                                  named perils or all risk protection   

OUR POLICY GIVES YOU THIS ONE STEP PROTECTION!

These are the some of the perils covered by our policies:

 

Tenants Policy... covers losses to household contents, personal belongings, your private dwelling unit improvements and personal liability.   Condominium Unit Owners Policy... as in Tenants Policy plus coverage for special assessments due to insured damage to or liability arising out of common areas. PLUS, additional protection on your unit in the event of inadequate building insurance.   Look at these additional features...   A policy that is easier to read and understand A wide range of discounts Built-in Inflation Protection Replacement Cost on Contents Increased special limits in insurance High minimum Liability limits Smoke coverage from a fireplace Lock Replacement Coverage Home Freezer & Food Spoilage Coverage Credit Card, Bank Card Coverage Fire Department Charges   Extra protection for... - ADDITIONAL LIVING EXPENSE      - Payment of extra, necessary living expenses in the event your premises are unfit to live in after an insured loss.   - PERSONAL LIABILITY      - Protection for Legal Liability claims made against you for injury to others or damage to property. Includes Medical Payments and                 Voluntary Property Damage.   For Homeowners Policies... You can choose either our Broad Form or our Special Form: - BROAD FORM:  All Risk protection on your home and Broad Named Perils protection for your household Contents and Personal Property. - SPECIAL FORM:  All Risk protection for both your home and household Contents and Personal Property.   For Tenants and Condominium Policies... You can choose either our Broad Form or our Special Form: - BROAD FORM:  Broad Named Perils protection for your household Contents and Personal Property - SPECIAL FORM:  All Risk protection for your household Contents and Personal Property.   Additional options available...   Guaranteed Replacement Cost (Building) All Risk Scheduled Items (jewelry, furs etc.) All Risk Fine Arts All Risk Boats and Motors Secondary and Seasonal Residences Discounts for higher Deductibles Budget Payments Mass Evacuation & Earthquake Coverage Increased Liability Limits A full range of other Optional Coverages