Homeowners - Renters - Landlord - Condo/Hotel - Seasonal

Dwelling Coverage -This coverage protects the permanent structures of the house from perils. A peril is the legal definition used for an incident that causes damage to your home, ie, fire, snow, wind, and explosions. Typical perils excluded are flood, nuclear hazards and earthquakes.

Personal Liability - This coverage pays for damages that you are legally obligated to pay and that results from an incident with the property or yourself. The coverage will also pay for medical payments for other people injured on your property.

Replacement Cost on Contents - covers the actual cost to replace the personal property, with no deduction for depreciation.

Actual Cash Value on Contents - Covers cost of the property minus depreciation.

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Personal Property - covers your on-premises personal property, subject to the insurance policy limits.

Extended Replacement Cost - coverage, subject to the conditions of the policy, pays the full cost of replacing the permanent structures if the property is destroyed or damaged beyond repair.
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