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Insurance Policies Homeowners’ Comprehensive Policy Simply the best product available to cover your home, outbuildings and contents. This policy covers loss or damage to both buildings and their contents from all perils except those that are specifically excluded within the policy. With this policy you also obtain insurance coverage should you incur alternative living expenses in the event that an insured peril results in you being unable to live in your home while it is being repaired. Also included with this coverage is personal legal liability up to $1,000,000 with the option of purchasing additional coverage up to $2,000,000. Homeowners’ Broad Policy This policy is identical to our Comprehensive Policy with the sole exception being that personal contents are covered against named or specified perils as opposed to all risks. The named perils include such risks as fire, smoke, water damage, wind damage, theft, vandalism, power surges, etc.. Just like the Comprehensive Policy, additional living expenses and personal legal liability is also included with this policy form. Homeowners’ Standard Policy This Policy is similar to both the Comprehensive and Broad Policies except that buildings and contents are both covered against named or specified perils as opposed to all risks. Unlike the other policies, this policy does not provide inclusive coverage for outbuildings or additional living expenses. This type of policy coverage is available to primary dwellings, outbuildings of all sorts as well as seasonal and rental buildings. Homeowners’ Fire Policy The simplest and most affordable policy for nearly every type of building and contents, the Fire-only policy covers loss or damage to buildings and/or contents caused by fire. Tenant’s Packages This policy covers loss or damage to tenant’s contents up to a maximum of $50,000 as well as coverage for additional living expenses should an insured peril require you to temporarily live in alternative premises while your rental dwelling is being repaired. Also covered is your personal legal liability up to $1,000,000. Coverage
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