Added Perils for additional Refrigerated Food Products – Payment for direct loss to covered property stored in a freezer or refrigerator due to loss of power in owner-occupied dwelling.
Dwelling under Construction – Theft & collapse coverage while your seasonal or rental home is being built.
Inflation Guard – Automatically increases your dwelling limit to protect against increased building costs.
Liability/Medical Payments – Provides defense and coverage for injury or damage in which you are liable.
Loss of Rents – Coverage for expenses you incur if you cannot rent the dwelling after a covered loss.
Modified Replacement – Replacement coverage for partial losses when the dwelling is insured for less than 80% of the replacement value.
Ordinance or Law – Covers increased building costs due to changes in an ordinance or law.
Personal Property – Protection for your personal belongings.
Related Private Structures – Covers detached structures on the insured premises.
Replacement Cost - Personal Property – Claim settlement for personal property on a replacement cost basis in owner-occupied dwellings.
Theft Coverage– Provides theft coverage for personal property from an owner-occupied dwelling.
Tree Removal – For fallen trees due to wind.
Additional Water Back Up and Sump Discharge or Overflow – For water damage that backs up through your sewer, drains, or sump pump for owner occupied dwellings.
