Home Owner's Insurance

• Your Home and any Attached Structures.
• Other Structures at your premises that are separate from the dwelling.
• Personal Property wherever it may be.
• Loss of Use which covers the additional living expenses you incur due to temporary relocation.
• Personal Liability for personal injury, including bodily injury or property damage claims brought against you anywhere in the world.
• Medical Payments to Others who are injured in an accident arising from your premises or personal activities.

• Fire or lightning
• Windstorm or hail
• Explosion
• Riot or civil commotion
• Aircraft or vehicles
• Smoke
• Vandalism or malicious mischief
• Glass breakage
• Theft
• Falling Trees or other objects
• Weight of ice, snow or sleet
• Sudden bursting or cracking of a heating or cooling system
• Freezing of plumbing, heating and cooling systems
• Accidental overflow or discharge of water from within the home
• Power surge damage to electrical appliances
• Volcanic eruptions

• Damage caused by the accidental spillage of paint or paint thinner
• Damage caused by accidentally scorching a surface with a hot pot or pan
• Unintentional damage to your home while performing maintenance or making repairs
• Water damage caused by the freezing and thawing of water in a gutter or under the shingles of the home

• Replacement Cost Settlement on Personal Property Dwelling
• Replacement Cost Guarantee
• Sewer or Drain Backup
• Incidental
• Business Occupancy
• Earthquake Coverage
• Scheduled Personal Property.