Our Personal Lines Products

This homeowners policy provides coverage for most causes of direct physical loss. It is extremely important that homeowners know the replacement value of their home and insure their homes for that value. An insured may elect either actual cash value or replacement cost coverage for personal property.

This homeowners policy has two sections of coverage:

1. Section I provides property coverage for

• Scheduled dwellings
• Insured’s personal belongings
• Most unattached structures
• Expenses that the insured may incur because of the loss of use of the dwelling at the time of a covered loss

2. Section II provides liability coverage for

• Bodily injury and property damage caused by a covered occurrence including law suits brought against the insured by a third party
• Some medical payments to others while on the insured’s property or as a result of the insured’s personal activities

This renters policy provides financial protection against the loss or destruction of an insured’s possessions when he or she rents a house or apartment. Renters insurance is tailored to address the needs of a renter. These needs, naturally, differ from those of a dwelling or condominium unit owner who insure the real property. In the event of loss, the owner’s policy will not cover a renter’s belongings, but a renters insurance policy will. Like the homeowners and the condominium policies, the renters policy is a package policy. It provides coverage for household items in the event of fire, theft or other covered losses, and includes personal liability protection.

This condominium or unit-owners policy is particularly designed for condo owners. Condo insurance provides coverage for that part of the condominium owned by the insured and not covered by the association’s insurance policy. A condominium association’s insurance policy typically insures the building, including the finished interior walls, and other common areas. The condo policy then insures the remaining open interior; however, because scope of ownership does vary, consumers should review their association’s insurance policy, by-laws, articles, or operating rules to understand their interests. This condo policy provides coverage for personal property, fixtures and improvements attached to the building, and personal liability.