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Flood coverage is not covered by the homeowner's policy. Coverage is available. Call us for rates and coverage information.
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Earthquake coverage is not provided by the homeowner's policy. We can add earthquake coverage to your policy for an additional premium. Call us for rates and coverage information.
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Higher limits of personal LIABILITY and MEDICAL PAYMENTS to others may be available by endorsement. Call us for rates and coverage information.
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Certain PERSONAL PROPERTY is subject to a specific dollar limit or not covered at all. In your policy, refer to Section I - Property, paragraphs titled “Special Limits of Liability and Property Not Covered.”
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In many cases, we can secure higher dollar limits for those items of personal property subject to specific dollar limits. If you have property of this type, please call us for rates and coverage information.
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The section titled Section I - Perils Insured Against - identifies the perils for which your dwelling and other structures are covered. The section lists exclusions and restrictions that apply. The paragraph titles are “Coverage A - Dwelling” and “Coverage B - Other Structures.”
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The section titled Section I - Perils Insured Against - identifies the perils for which your personal property covered. The paragraph titles: “Coverage C - Personal Property.” No other causes of loss are covered by the policy.
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Exclusions that apply to ALL PROPERTY are listed under a section titled Section I - Exclusions.
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Exclusions applicable to Personal Liability and Medical Payments to Others are listed under a section titled Section II - Exclusions. Pay close attention to the exclusions applicable to motor vehicles (motorized land conveyances), watercraft and aircraft.
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