Residential Fire

Policy feature

What it means

Policy overview

Protection

Named peril coverage means you are protected from loss caused by events included in the policy.

Settlement

We pay the actual cash value for a loss, but you can upgrade to replacement cost.

Residence description

Wide eligibility

•   Up to four-family
•   Owner occupancy
•   No age restriction

Included coverage

Other structures

We cover a shed, detached garage or fence.

Reasonable repairs

We reimburse reasonable expenses for repairs made to prevent additional damage, like covering a roof after a storm.

Loss of rent

If your tenant moves out due to a loss, we will reimburse the lost rental income.

Debris removal

We will help cover the cost of clean up after a loss.

Fire dept. charge

Many fire departments now charge for support.  We will reimburse the cost

Optional coverage

Personal liability

If a guest is injured in your home, or if you accidentally injure someone or damage property away from your home, you may be liable.  We offer several coverage limits.

Personal property

We protect your belongings for the actual cash value, but you can upgrade to replacement cost.

Burglary

Burglary is the theft of personal property.

Vandalism

Add coverage for acts of malicious intent that damage your home.