If you own a home, you need homeowner’s insurance to protect one of your largest financial investments. Homeowner’s policies are designed to provide financial protection in the event of damage to your home, such as fire or water damage. Your policy will also protect your personal property, such as furniture that is damaged as a result of a fire, or the theft of electronic equipment. In addition you will be protected from liability as a result of homeownership, such as a visitor who slips on your icy steps and breaks an arm.

 

If your home and personal possessions were damaged or destroyed...

• Could you afford to replace your home?

• Would you and your family have a place to stay and be able to afford the necessary extra living expenses at the same time?

• Will your coverage keep pace with inflation and the value of your home, leaving you with less coverage than you really need?

Coverage for your property

The HO-A-Plus Homeowners policy provides you with coverage for your home, other structures on the insured property, and personal property, subject to policy limits, terms and conditions.

 

Additional Living Expenses and Rental Value

We will pay the reasonable increase in living expenses necessary to maintain your normal standard of living - for up to the amount of time specified in the policy - if covered loss makes your home uninhabitable (subject to policy terms and conditions).

 

Property Insurance Adjustment

If you have to rebuild your home because of damage from an insured hazard, homeowners coverage based on up-to-date costs of materials and labor is essential. That's why the property insurance adjustment feature can automatically adjust your yearly coverage to help compensate you for the effects of inflation.

 

 

HO-A-Plus protection features:

• Fall of trees or limbs

• Sudden and accidental water damage from plumbing, heating or air conditioning system

• Damage to building by collapse

• Freezing of plumbing

• Sudden and accidental tearing apart, cracking, burning or bulging of steam or hot water heating systems

• Vehicles owned or operated by an insured or tenant of the residence premises

• Objects falling from weight of ice, snow or sleet

• Breakage of glass

Named Peril:

• Fire

• Lighting

• Explosion

• Smoke

• Riot, vandalism, malicious mischief

• Wind and hail

• Damage by vehicle/falling aircraft

Theft Coverage:

• Damage by thieves

• Theft on premises

• Theft off premises

Family liability coverage:

• Liability and defense costs/bodily injury and property damage lawsuits

• Damage to property of others

• Guest medical payments (whether or not accident was your fault)

* Insurance coverages and discounts are subject to availability and qualifications. Other terms, conditions, limitations and exclusions may apply. Please ask one of our agents for details.