Homeowners
		Condos
		Renters

HOMEOWNERS

Purchasing a home is often the single largest financial investment an individual or family ever makes. And, since the value of real estate property frequently increases over time, the owner's financial interest in the property also may increase.

Along with its investment value, home ownership carries with it a potential exposure to financial loss from unpredictable events such as: fire, windstorm damages, theft of personal property, and lawsuits from an injured person.

Homeowners can protect themselves against all of these losses by purchasing homeowners insurance.

Homeowner Policy Basics:

Your Dwelling:
Coverage for the dwelling you reside in extends to any attached structures, such as a deck or garage. This does not include land or the dwelling's foundation.

Other Structures:
Coverage is provided for any detached structures at your residence, such as a garage, shed, barn, swimming pool, fences, etc.

Personal Property:
This coverage section protects your general household belongings against loss by a broad range of perils. Items can include furniture, clothing, appliances and other personal possessions.

Loss of Use:
In the event you are required to leave your home as a result of a covered property loss, we will cover you for many additional expenses which may include hotel or restaurant costs.

Personal Liability:
This is important coverage if you or resident family members are found negligent in causing bodily injury or property damage to another party. In that event, you have the peace of mind knowing we will pay the legal damages imposed on you and include legal defense costs if necessary.

Medical Payments:
If a visitor is injured in or around your home we will pay for the medical expenses incurred by that person.

CONDOMINIUM

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The condominium is a joint enterprise type of ownership in which there is a common ownership of certain portions of the premises. The individual also has exclusive ownership of the right to occupy a specific unit, and sometimes also individually owns certain items of physical property within the unit. The ownership deed for a condominium, usually called a master deed sets forth the exact provisions of ownership and rights of occupancy of all the unit owners.

Condominium Policy Basics:

Your Dwelling:
In the case of the condominium, the dwelling is the unit you own. You must consult the "master deed" to establish your actual ownership, rights, and responsibilities as a unit owner. Dwelling coverage includes any permanent appliances, fixtures, improvements and real property that pertain exclusively to the insured unit.

Personal Property:
This coverage section protects your general household belongings against loss by a broad range of perils. Items can include furniture, clothing, appliances, and other personal possessions.

Loss of Use:
In the event you are required to leave your unit as a result of a covered property loss, we will cover you for many additional expenses which may include hotel or restaurant costs.

Personal Liability:
This is important coverage if you or resident family members are found negligent in causing bodily injury or property damage to another party. In that event, you have the peace of mind knowing we will pay the legal damages imposed on you and include legal defense costs if necessary.

Medical Payments:
If a visitor is injured in or around your home we will pay for the medical expenses incurred by that person.

Loss Assessment:
Condominium unit owners have optional property and liability exposures as members of a condominium association. An example may be a fire in a stairway that damages common property, or if someone slips and falls in your parking lot and is injured. If damage to property or bodily injury to the injured person isn't covered by the association's master insurance policy, each unit owner could be assessed for a portion of the loss. Your policy automatically provides you with $1000 of this coverage, but you may purchase higher limits.

RENTERS

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Individuals who do not own their own home may live in an apartment, condominium or house and pay rent to the owner of the dwelling. These individuals need protection for their personal property, loss of use, personal liability, and medical payments. Also, the tenant may have an interest in improvements that they had made to the rental unit.

Renter Policy Basics:

Personal Property:
This coverage section protects your general household belongings against loss by a broad range of perils. Items can include furniture, clothing, appliances and other personal possessions.

Loss of Use
In the event you are required to leave your apartment as a result of a covered property loss, or if the building containing the property makes the apartment not fit to live in, we will cover you for many additional expenses which may include hotel or restaurant costs.

Personal Liability:
This is important coverage if you or resident family members are found negligent in causing bodily injury or property damage to another party. In that event, you have the peace of mind knowing we will pay the legal damages imposed on you and include legal defense costs if necessary.

Medical Payments:
If a visitor is injured in or around your home we will pay for the medical expenses incurred by that person.

Additions and Alterations:
Although as a tenant you do not have an insurable interest in the building in which you reside, you might add fixtures or make improvements to the apartment or home. These are "additions or alterations." If a covered loss occurred you would be provided with an amount equal to 10% of your personal property coverage.

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