Understanding your Coverage

Personal Property Coverage
This coverage will pay to replace your personal belongings if they are lost, stolen, or destroyed as a result of an insured event.

Scheduled Personal Property
Talk to your agent about additional coverages for your special belongings such as fine jewelry, art, or collectibles. Scheduling property can provide broader coverage for certain items.

Property or Dwelling Coverage
This coverage will pay to repair or rebuild your structure if it’s damaged or destroyed by an insured event. Common insured events include: 

Fire or Lightning Falling Objects Windstorm or Hail Weight of ice and snow Explosion Accidental discharge of water Riot Cracking, burning Aircraft Collapse

Vehicles Freezing Smoke Sudden Electric Current Vandalism Volcanic Eruption Theft

Home Insurance Exclusions
These events are typically not covered under any home insurance policy:  

War General wear, tear, rust, mold Nuclear Disaster Intentional Acts

Natural Flood (separate flood policy available) Government Actions Earthquake

*Coverage varies based on individual insurance company. Ask your agent for details.

Personal Liability Coverage
Accidents happen. Personal liability coverage insures that if those accidents happen on your property and you are to blame, you and your assets are protected.   Umbrella policies are also available for extra liability protection at low costs. 

Medical Coverage
Medical coverage insures that if someone is injured on your property, the injured party’s medical expenses are covered.  In some cases, medical coverage can cover certain cases for people who are injured off your property.  It does not cover health care costs for you or any other members of your household. 

Additional Living Expenses
This coverage applies when your home is damaged to the point where you can no longer live in it and you need additional living expenses.  As long as the initial loss is covered, this insurance will pay for living expenses while your home is being repaired or rebuilt.

Many ingredients can be thrown into a car insurance policy.  Understand which coverages are necessary and most important to you.

Bodily Injury Liability Coverage –
if you are responsible for an accident, bodily injury will cover any injury or death claims against you and all legal costs. If you have state minimum limits, your insurance may run out and you will be forced to pay out of pocket.

Property Damage Liability Coverage –
covers claims for property damage caused by your car in an accident. Because liability coverage protects the other party, it is required in most states.

Medical Payments –
pays for injury to yourself and anyone else in your car.  This is optional in some states.  In “no-fault” states, this coverage is called Personal Injury Protection (PIP).  Medical Payments can save you from having to use your primary health insurance that usually contains a large deductible.

Uninsured/Underinsured motorist protection-
covers injuries to anyone in your car caused by uninsured or hit-and-run drivers. Under-Insured protection will cover claims you make against a driver with inadequate insurance.  In some states, as many as 30% of drivers are uninsured.

Collision Coverage-
covers damage to your car up to full actual cash value at the time of loss. This car insurance coverage carries a deductible, which is the amount of the claim you have to pay out of pocket before the car insurance policy will pay out. In all insurance cases, the lower the deductible, the higher the premium. This is an optional coverage, but if you have a loan or are leasing the car, it is usually required by your finance company.

Comprehensive Coverage -
covers damage to your car from theft, vandalism, fire, wind, flood, and other non-accident causes. Comprehensive also carriers a deductible and is optional, but if you have a loan or are leasing the car, it is usually required by your finance company.

Rental Coverage and Roadside Assistance –
these are extra coverages and are usually very inexpensive to add to a car insurance policy. Rental coverage will pay for renting a car when your car is disabled due to a claim. Roadside Assistance (also called towing coverage) will pay to have your car towed incase of a breakdown.