Property Coverage - Your house and separate structures are covered for almost every type of damage, except for common exclusions including but not limited to wear and tear, earth movement, earthquake, flood and nuclear hazard. Consult with your insurance agent to obtain the coverage appropriate for you.

In addition, attached structures and wall-to-wall carpeting is covered. Separate structures on your property, other than those used for business purposes (such as a detached garage or tool shed), are covered up to 10 percent of the coverage on your house. Higher limits are available for additional premium.

Personal Property - You’ll rest easy knowing that your personal possessions inside are also covered for up to 55 percent of the amount of coverage on your home. Personal property away from the premises is also covered for up to 55 percent of the amount of coverage on your house anywhere else in the world. If your personal property is at a secondary residence, such as a cabin or vacation home you are generally covered up to $1,000 or 10 percent of the on-premises coverage, whichever is greater. Optional higher limits are also available.

Personal Property Damages - While your house is covered for most types of damages, your personal property is covered for damages resulting from: *

• Fire, lightning, windstorm or hail
• Explosion
• Riot or civil commotion
• Aircraft or vehicles
• Smoke, if sudden and accidental
• Vandalism or theft
• Falling objects
• Weight of ice, snow or sleet
• Water or steam – accidentally discharged from a plumbing system or appliance
• Sudden and accidental bulging, cracking, or rupture or burning of steam or hot-water heating systems and water heaters
• Sudden and accidental damage from artificially generated electrical current **
• Freezing of a plumbing, heating or air conditioning system or household appliance

Notes:

* Coverage may vary by state and policy form. The policy itself should be read for coverages and exclusions. Please consult with your insurance agent for coverage appropriate for you.

** Loss to transistors or similar electronic components is not included.

Loss of Use / Additional Coverage - If you can’t live in your house after a covered loss, your insurance company will usually cover the additional cost of living in hotels, meals, etc. Your coverage normally pays up to 30 percent of the amount of insurance on your house as an additional coverage with no deductible. In addition, you will be reimbursed for any loss of rents resulting from that portion of your house/property rented to others being unlivable. Insurance companies will usually pay up to an additional 5 percent of the amount of coverage on your house and no more than $500 per item to replace trees, shrubs, plants, and lawns for a loss by fire or lighting, explosion, riot or civil commotion, aircraft, vehicles not owned or operated by residents, vandalism and theft.

Personal Liability - As a homeowner, you want to feel secure from threat of liability damages. Your insurance policy will usually pay 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, if you choose to add it
• The acts of your pets
• Unintentional acts committed by your or qualified family members, either on or off your premises

The coverage will also normally pay medical payments for other people injured on your premises, regardless of liability, up to certain limits.

Expenses - Your coverage may also include expenses in a suit your insurance company may defend on your behalf, such as court costs and attorney, investigator and witness fees. It may also cover expenses you incur at your insurance company’s request, averaging up to $60 per day for actual loss of wages as well as the premium on appeal bonds, bonds to release attachments, and bail bonds.

Emergency First Aid - All expenses you incur for necessary medical aid to other people at the time of an accident are covered by the policy.

Damage to Property or Others - You may be also covered up to $500 per loss for damage to the property of others caused by a qualified family member, even if not legally liable.