• Guaranteed Replacement Cost on Building
• Replacement cost on contents
• Additional living expenses (limitations may apply)
• Coverage for detached private structures (limitations may apply) *
• Bylaws coverage (limitations may apply)
• Comprehensive personal liability
• Debris removal/Expense (limitations may apply)
• Melting of ice and snow on exterior of roof
• Outdoor trees, shrubs, plants and lawns up to 5% (limit of $1,000.00 per item)
• Sewer back-up
• Freezer Foods
• Coverage for detached private structures
• Medical Payments (limits apply)
• Voluntary Property Damage (limits apply)
• Optional Identity theft coverage (limits apply)

* We do not insure private structures used in whole or in part or which are designed for business, farming or agricultural purposes.

• Alarm Discount
• Claims Free Discount
• Clay Tile Roof Discount
• Loyalty Discount
• Mature Citizen’s Discount
• Package Discount
• New Home Discount
• Mortgage Free Discount
• Occupation
• Stability of Residence