We have policies that will cover most direct, sudden and accidental physical losses like those resulting from: Fire, lightning, explosion, vandalism, landslide, falling objects, explosion, attempted or actual burglary or robbery, water damage from bursting pipes, damage from wild or stray animals, roof collapse from the weight of ice and snow, and wind or hail damage.

With optional Replacement Cost coverage, if you suffer a loss you would get a settlement that reflects the cost to replace the damaged items with new property of comparable material and quality, without any deduction for depreciation. In most states, you can receive up to an additional 20% of the amount of insurance for your home if needed to replace your home!

If you have this coverage, and your home is destroyed, you would receive the full amount of insurance for your home – less any applicable deductible.

This provides coverage if you’re found legally responsible for an accident that causes injury or property damage to someone who doesn’t live in your home. It covers costs like their medical bills, lost wages, pain and suffering, and property damage.