Our Insurance Products

Homeowners

Homeowners

  • Owner-occupied Single-Family Dwelling Only
  • Properties must be insured to 100% of replacement cost
  • Property Coverage – Total Insured Value (all property coverages combined) Maximum $2.3M
    • Coverage A – Dwelling, your home’s primary structure – $1.3M (125% extended replacement cost available)
    • Coverage B – Other Structures, any structures such as a shed or garage detached from the main home  – 10% of Coverage A
    • Coverage C – Personal Property, your clothing, furniture, and other household items  – 50% 
    • Coverage D – Additional Living Expense, the extra costs incurred if the home becomes unliveable due to a covered loss – 20%
  • Liability Coverage:
    • Coverage E – Comprehensive Personal Liability, coverage if you cause bodily injury or property damage to someone else $300,000
    • Coverage F – Medical Payments, coverage to provide first aid if an accident happens at your home – $5,000
  • Deductibles:
    • COV A less than $1M: $2,500
    • COV A greater than $1M: $10,000
    • Water Damage: $10,000
    • Wildfire: 2% for policies outside Wildland Urban Interface; 5% for policies inside the Wildland Urban Interface
  • Year built: 1900 or newer
  • Square Footage: 1,000 – 5,000
  • Protection Class: 1-6, all X, Y, and B zones ineligible
  • Low Wildfire risk only
  • 1 prior Cat/Non-Cat loss acceptable

Landlord

  • Tenant occupied Single Family, Duplex, Tri-Plex, or Four Plex; Owner may occupy one unit
  • 100% Insurance to Value
  • Property Coverage – TIV Maximum $1.7M
    • Coverage A – Dwelling, your home’s primary structure – $1.3M (125% extended replacement cost available)
    • Coverage B – Other Structures, any structures such as a shed or garage detached from the main home  – 10% of Coverage A
    • Coverage C – Personal Property, your clothing, furniture, and other household items  – optional 
    • Coverage D – Additional Living Expense, the extra costs incurred if the home becomes unliveable due to a covered loss – 20%
  • Liability Coverage:
    • Coverage L – Premises Liability $300,000, coverage if there is bodily injury or property damage cause on your rental properties premises
    • Coverage M – Medical Payments – $5,000, coverage to provide first aid coverage if an accident happens on your rental property
  • Deductibles:
    • COV A less than $1M: $2,500
    • COV A greater than $1M: $10,000
    • Water Damage: $10,000
    • Vandalism: $25,000
    • Wildfire: 2% for policies outside Wildland Urban Interface; 5% for policies inside the Wildland Urban Interface
  • Year built: 1900 or newer
  • Square Footage: 1,000 – 5,000
  • Protection Class: 1-6, all X, Y, and B zones ineligible
  • Low Wildfire risk only
  • 1 prior Cat/Non-Cat loss acceptable
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