COVERAGE OVERVIEW 
Coverage perils can be selected as
- Named Peril Form…Fire, Lightning, Explosion, Windstorm, Hail, Riot, Civil Commotion, Aircraft, Vehicles, Smoke,Vandalism & Malicious Mischief, Sonic Boom, Glass Breakage (building coverage only), Theft, Falling Objects, Sudden & Accidental Tearing Apart / Burning / Bulging of Heating or A/C Systems (excludes freezing), Accidental Discharge of Liquid/Steam from Plumbing/ Heating / Appliance (exclusions apply), Freezing, Sudden & Accidental Damage from Artificially Generated Electric Current, Weight of Ice & Snow
- Comprehensive Peril Form…All physical damage is covered except exclusions such as war, nuclear radiation, earthquake, flood, radon, and others listed in the policy.
Claim Settlement Options include
- Replacement Cost Guarantee (Dwelling, Other Structures) allows the covered rebuilding cost to exceed the limit shown on your policy.
- Replacement Cost (Dwelling, Other Structures, Personal Property)
No depreciation, repair or replacement matches kind & quality before covered loss
- Functional Replacement Cost (Dwelling, Other Structures) No depreciation, repair or replacement; uses modern materials and techniques
- Actual Cash Value (Personal Property; Secondary Dwelling & Other Structures) Depreciation for age, wear, tear
DWELLING/OTHER STRUCTURES
You may choose perils and claim settlement options. The standard limit for Other Structures is 20% of the Dwelling – may be increased.
ORDINANCE OR LAW
$20,000 for additional expenses to repair / rebuild after a covered loss
CONTENTS
You may choose perils and claim settlement options.
THEFT – SPECIAL LIMITS
$3,000 per item / $3,000 per class Guns / Furs / Jewelry / Silverware
POLICY DEDUCTIBLE
Raising your deductible (portion you pay) lowers your premium.
LOSS OF USE
Covers the additional expenses, up to 12 months, you incur while your home is rebuilt after a covered loss.
MEDICAL PAYMENTS
Offers assistance to visitors injured at your home, even when you are not negligent.
LIABILITY
Provides legal defense and a settlement to those you may injure, or for property you may damage.
PARTIAL LIST of OPTIONAL COVERAGES
- Collectibles & High Value Items
- Earthquake
- Home Business
- Workers’ Compensation Endorsement (NY law requires that this endorsement be attached to all HomeProtector policies to provide coverage for residence employees working less than 40 per week on a Policyholder’s premises. There is no additional premium charge.
- Liability – Additional Home
- Sewer & Drain Back-Up
- Watercraft
- Advantage Bundle ($20) ID Recovery; $5,000 Theft limit in special classes
- Plus Bundle – Advantage and…24 months Loss of Use; Additional $2,000 PC Coverage; $40,000 Ordinance or Law
- Select Bundle – Plus and…$10,000 Theft limit in special classes
REVIEW
We ask for the opportunity to review your needs when purchasing home insurance. We also provide a written review each year.