The comprehensive policy option covers all causes of loss except any specifically listed in the policy documents. Losses are settled at the replacement cost, up to the policy limit. There is no depreciation deduction.
The flexible policy option covers just those causes of loss listed by name in the policy documents (fire, lighting, wind, hail, explosion, and others). Losses are settled for the actual cash value (ACV), which takes depreciation into account, or in many states we offer upgrades to full repair cost coverage or replacement cost coverage.
Premises liability – Add protection for your liability if an injury occurs to someone while on the premises.
Personal property – Add coverage for items such as furnishings, appliances, linens and the like, owned by the landlord and kept in the rental property.
Occasional rental permission – With this option you can rent your seasonal home to others for a short period of time when you are not using it.
Breakdown protection – Widen the policy’s scope to include the repair or replacement of major appliances, HVAC and electronics due to mechanical or electrical failure.
Vandalism – Physical damage or defacement of the home is included with the comprehensive program, but optional for basic program.
Limited burglary – If a forced entry leaves signs of visible damage (for example broken window or jimmied door) we will cover the theft of personal items or permanently attached items such as a heat pump or even copper piping.
Automate monthly installments with EZPay, or pay by check or credit card, either in full or in four payments.
Spring is near. We have a few tips to help you inspect for winter damage and prepare for spring and summer storms.Keep reading