Personal Lines

Homeowners

Homeowner policies are written to insure owner-occupied residences, apartment and home tenants or condominium owners.  They vary from basic named perils, such as fire, lightning, vandalism and theft to broader coverage.    Some of the standard coverage of a homeowner policy includes the following: 

  • Coverage A      Dwelling Coverage-Damage to the primary structure
  • Coverage B      Other structures-Out buildings on residence premises
  • Coverage C      Personal Property-Contents
  • Coverage D      Loss of Use-Coverage during a covered loss
  • Coverage E      Personal Liability-Coverage against bodily injury or property damage
  • Coverage F      Medical Payments to others-Expense incurred from accident on residence premises.
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