HOMEOWNER'S INSURANCE

COVERAGE

Property - Home Insurance provides coverage for damage to your home and separate structures (such as a detached garage) typically caused by wind, fire and vandalism (subject to limitations and exclusions). Extended Replacement Cost coverage is available in some states.

Types of Properties - Coverage is available for many different types of properties and/or situations. Click on any of the links below to learn more:

• Homeowner's Insurance (General)
• Condo Insurance
• Mobile & Manufactured Home Insurance
• Vacant Home Insurance
• Specialty Homeowner's Insurance

Possessions - Your personal property is covered anywhere in the world. Coverage is comprehensive including many types of damage and broad causes of loss (subject to exclusions). Contents Replacement Cost is included and pays for the cost of repair or replacement without deduction for depreciation.

Liability - Covers you when you're legally liable for someone else's bodily injury or property damage resulting from an accident, negligent acts by you or household members - on or off premises, including:

• Costs to resolve claims or defend lawsuits brought against you.
• Acts of your pets both on and off your property. (Note: pets that have a 'vicious' history may be excluded from coverage.)

Medical Payments - Pays medical costs for people injured at your residence (other than residents of your household), regardless of who is liable.

Additional Living Expenses - Covers additional living expenses for up to 24 months (depending on the policy type) if a covered loss makes your home unfit to live in.

Options - There are additional coverage options to consider, including:

• Floater Policy - Provides extra coverage for specific items like art, jewelry, collectibles and more (for example, stuff that has a little more value and falls outside the limits of your home policy).
• Identity Shield - Provides assistance in the resolution and coverage for losses due to identity theft in regards to credit and publc records and identity or travel documents replacement.

NOTE: For additional identity theft protection, we also have the Privacy Armor InfoArmor identity protection system as part of the UCES Protection Plan (see Credit Restoration for more information on these services and more).

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There are also the following insurance plan options. Click on any of the links below to learn more:

• Earthquake Insurance - Earthquakes are not covered under the home policy. Earthquake insurance can provide reimbursement for damage to your home resulting from an earthquake but must be purchased separately.
• Flood Insurance - Flood is another natural disaster that is not covered under the home policy. Coverage for floods is available from the National Flood Insurance Program.
• Personal Umbrella Insurance - Supplements the liability coverage already on home and/or auto policies providing an extra layer of coverage when you need it the most. Note: Your home policy must have certain limits in order for you to qualify.)
• Pet Insurance - For more information on whether pet insurance is right for you, click here.

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DISCOUNTS

You may be eligible for a variety of discounts that may help to lower your home insurance premium. Discounts are available for the following:

• Business/Professional Groups (e.g. doctors, RN's, engineers, dentists, teachers, police, firefighters, etc.)
• Multi-policy
• Home renovation
• New roof discount
• New home
• Non-smoker
• Protective devices
• Fire safeguards
• Age 50+
• and much more !

NOTE: Discounts apply to selected coverages, perils and policy types. Eligibility and actual percentage of discounts may vary.

• One-stop shopping - one provider for all your insurance needs
• Great savings with an array of possible coverage discounts
• 24/7 claims service
• Flexible billing plans

For more information or to get an insurance quote, click on the image below:

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