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Understand Your Policy

It is critical that you read your policy and understand the coverage afforded to you. Be sure to contact your Agent with any questions or concerns. The information below is designed to assist in your general understanding of your property insurance policies.

Disclaimer: Your coverage is subject to the type of policy you selected along with applicable extensions of coverage, limitations, or exclusions. Please note a complete review of the policy form itself will adequately describe what is or is not covered. Coverages indicated below may not be available or may not apply to all situations. To obtain additional information or assistance in selection of coverage, please contact your Agent.

General policy information as follows:

WHAT IS THE POLICY DECLARATION PAGE?

THE POLICY DECLARATION PAGE PROVIDES A SUMMARY OF THE INSURANCE POLICY, AND IT GENERALLY INCLUDES THE INFORMATION:

  • Insured Name(s)
  • Insured Mailing and Property Address
  • Agent Name and Mailing Address
  • Policy Term Dates
  • Deductible(s)
  • Mortgagee(s)
  • Limits of Liability – Property and/or Liability Coverage including Other Coverages and Endorsements.

WHAT PERILS CAN A POLICY INSURE AGAINST?

THE FOLLOWING PERILS (I.E. CAUSES OF LOSS) MAY OR MAY NOT BE INCLUDED IN YOUR POLICY:

  • Fire and Lightning
  • Sudden and Accidental Damage from Smoke
  • Windstorm, Hurricane and Hail
  • Explosion, Aircraft and Vehicles
  • Vandalism and Malicious Mischief
  • Riot and Civil Commotion
  • Theft
  • Falling Objects
  • Weight of Ice, Snow or Sleet
  • Breakage of Glass
  • Collapse
  • Increase or Decrease of Artificially Generated Electric Current to Electronics, Electrical Appliances, Fixtures and Wiring
  • Bulging, Burning, Cracking, Rupture of a Steam or Hot Water Heating System, Air Conditioning System, Automatic Fire Protection System or Appliance for Heating Water
  • Water or Steam that Escapes from a Plumbing, Heating or Air Conditioning System, Automatic Fire Protection System or from a Household Appliance due to Accidental Discharge or Overflow
  • Freezing of a Plumbing, Heating or Air Conditioning System or a Household Appliance

WHAT IS A HOMEOWNER’S POLICY?

THIS POLICY GENERALLY PROVIDES MORE COVERAGE THAN A DWELLING FIRE POLICY. THE FOLLOWING OUTLINES AN EXAMPLE POLICY:

PROPERTY COVERAGE

  • Dwelling
  • Other Structures
  • Personal Property and Personal Property Off Premises
  • Replacement Cost Coverage or Actual Cash Value Coverage will be indicated

Liability Coverage

  • Personal Liability
  • Medical Payments to Others

OPTIONAL COVERAGES

  • Limited Coverage for the Sudden and Accidental Discharge of Water or Steam from a Plumbing, HVAC, Automatic Fire Protection System or Household Appliance
  • Increased Coverage on Other Structures and Personal Property
  • Increased Coverage on Electronic Data Processing Equipment
  • Liability for Incidental – Office, Private School or Studio Located on Premises
  • Liability for Business Pursuits – Such as Sales, Teaching, Training or Clerical
  • Scheduled Personal Property
  • Satellite Dish Antennas
  • Unscheduled Glass

WHAT IS A DWELLING FIRE POLICY?

THIS POLICY GENERALLY PROVIDES LESS COVERAGE THAN A HOMEOWNER’S POLICY. COMPARE THE EXAMPLE ABOVE TO THE FOLLOWING SAMPLE DWELLING FIRE POLICY:

PROPERTY COVERAGES

  • Dwelling
  • Other Structures
  • Personal Property
  • Replacement Cost Coverage or Actual Cash Value Coverage will be indicated

OPTIONAL COVERAGES

  • Coverage for the Sudden and Accidental Discharge of Water or Steam
  • Liability and Medical Payments to Others
  • Unscheduled Residential Glass
  • Fair Rental Value

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