Homeowners Insurance Basics  
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We recognize the importance of obtaining
the correct coverage at a price you can afford
Extended Dwelling - Pays the full cost for covered losses to repair or replace the eligible real property damaged or destroyed using materials of like kind and quality up to 125% or 150% of coverage A.
Replacement Cost on Contents - Pays for covered losses up to the amount of insurance purchased for the full cost to repair or replace the eligible personal property lost, stolen, damaged or destroyed using materials of like kind and quality.
Special Personal Property Coverage - Insurance protection is provided for all direct physical loss to property (contents) other than a loss excluded under the policy.
Backup of Sewer/Drain/Sump-Pump - Pays for direct physical loss, not caused by the negligence of an "insured", to property covered under Section I caused by water or waterborne material which backs up through sewers or drains; or overflows or is discharged from a sump, sump pump, or related equipment.
Ordinance or Law - loss caused by the enforcement of an ordinance or law is a peril - a cause of property loss. Such laws regulate the construction, repair, demolition or zoning of buildings (real property). Often, government officials update the requirements in the building codes that all contractors must follow when either constructing a new house or rebuilding an existing home damaged by fire, wind or some other peril. Not all property insurance policies cover this type of loss. Platinum is a cut above and automatically includes this protection without any additional premium charge.
Equipment Breakdown - Important home systems and property are protected from losses caused by accidental mechanical or electrical breakdown. Examples include appliances, heating and cooling systems, swimming pool mechanical equipment, water heaters, well pumps, home security systems, electrical systems, personal computers and home electronics.
Renters Insurance - Did you know?  Renter's Insurance covers your property in your vehicle?

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