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Auto
Fire
Auto 2
Fire 2
Fire 3
100

This coverage pays for damages due to bodily injury and property damage to others for which you are responsible. If you are sued, it also pays for your defense and court costs. Medical expenses, pain and suffering, and lost wages are some examples of bodily injury damages. Property damage includes damage to property and loss of its use.

Liability 

100

Covers the home/dwelling itself

Coverage A

100

Coverage will also pay for substitute transportation expenses of up to $25 a day, up to a total of $750, if your car is stolen. Payments will be made beginning when you tell us of a theft.

Comprehensive 

100

10% of Coverage A - Automatically included - Effects 

Personal Property 

100

Provides an additional amount of coverage up to 10% of Coverage A Dwelling to replace undamaged roof surfacing, beyond paying for repair or replacement of the damaged part of covered property, when that property suffers accidental direct physical loss from a covered loss.

Matching of Undamaged Roof Surfacing

200

This coverage pays for damages when an insured is injured in a car accident caused by another person who does not have any liability insurance.

Uninsured Motor Vehicle

200

75%  of the dwelling amount “inflation”

Coverage B - Increased Limits

200

This coverage pays for a covered car that is damaged by collision with another object or by the overturning of the car. A deductible is required.

Collision

200

Coverage for:

  • Ground tremors
  • Ground liquefaction
  • Damaging     amplification of ground motion 
  • Ground shock waves

Earthquake 

200

Provides broad coverage, often with no deductible, for theft and accidental direct physical loss (ADPL) to the covered property at home and while traveling anywhere in the world

PAP - Personal Articles Policy

300

This coverage pays damages when an insured is injured in a car accident caused by another person who does not have enough liability insurance to cover the insured’s damages.

Underinsured Motor Vehicle

300

You are being sued for physical damage or bodily injury

Coverage L - Personal Liability 

300

This coverage pays the fair cost for the following emergency services for a covered car:

  • Mechanical labor for up to one hour at the place of its breakdown. 
  • Towing to the nearest place where repairs can be made.
  • Towing the car out if it is stuck on or next to a public road.
  • Delivery of gas, oil, battery, or change of tire, but not the cost     of such items
  • Locksmith labor for up to one hour to unlock a covered car if its     key is lost, stolen, or locked inside the car.

ERS

300

Pays repair costs for damage to or loss or failure of exterior underground piping and wiring that provide service to the residence premises which may be caused by:

  • Wear and tear, marring, deterioration, or hidden decay. 
  • Rust or other corrosion.
  • Mechanical breakdown, latent defect, or inherent vice.
  • Weight of vehicles, equipment, animals, or people.
  • Artificially generated electrical current.
  • Vermin, insects, rodents, or other animals.
  • Freezing or frost heave.
  • External force from a     shovel, backhoe, or other form of excavation.
  • Tree root invasion.

Service Line Coverage

300

Designed for anyone who home or apartment - provides protection for personal property, liability, and medical coverage. Offers flexibility so customers can select coverage and insurance amount that suit their individual needs and situation. 

Renters Insurance 

400

This coverage pays medical and funeral expenses for bodily injury sustained by a covered person in a car accident. A healthcare provider must treat that bodily injury and the medical expenses must be reasonable and necessary. The most we will pay for funeral expenses is the lower of your limit or $3,000.

Medical Payments

400

You are being sued to cover medical bills

Coverage M - Medical Payments 

400

This coverage pays if the covered person dies because of injuries sustained in a car accident. Limits of $5,000 and $10,000 are available.

S Coverage

400

provides coverage for the abrupt and accidental mechanical or electrical breakdown of permanently installed dwelling equipment

Home Systems Protection

400

Designed for a one or two-family dwelling not occupied by the owner, generally rented to others and used principally for habitation purposes.

Rental Dwelling Policy - RDP

500

This coverage pays for a covered car that is stolen or damaged by causes other than collision or upset. For example, damage caused by fire, wind, hail, flood, earthquake, theft, vandalism, or hitting a bird or animal is covered. 

Comprehensive 

500

Detached structures, fences, garages, sheds

Dwelling Extension 

500

This coverage pays for lost earnings if a covered person is unable to work in his or her occupation or any other similar occupation for which he or she is reasonably fitted by education, training, or experience. We will pay 85% of the loss of weekly earnings after the first 7 days of total disability, up to $250 per week, and up to $15,000 total. Disability must occur within 20 days after the accident and must last at least 30 days.

Loss of Earnings (Z) Coverage

500

Provides coverage for accidental direct physical loss to property covered under Coverage A (building property) and covered personal property located in the dwelling when the loss is caused by the back-up of water or sewage.

Backup of Sewer & Drain Coverage

500

Offers additional liability protection starting at $1mil to help protect the customer against any liability - in vehicles, at home, and personally.  

Personal Liability Umbrella - PLUP