Program Features

Property Coverage Features

  • All Risk Policy
  • Replacement Cost Coverage
  • Named Peril Coverage
  • Agreed-Amount Building Value
  • Loss of Rental Property Income / with or without extra Expenses
  • Equipment Breakdown coverage – (Covered equipment includes electrical, mechanical and pressure equipment for both residential and commerical property such as heating cooling and electrical systems)
  • Flexible Deductibles-$1,000, $2,500, $5,000, $10,000, $15,000, and $25,000

Additional Property Coverages:

  • Personal Property
  • Additional Living expense
  • Backup Sewers and Drains
  • Flood
  • Earthquake
  • Building ordinance
  • Personal Article Floaters (Scheduled Items)

General Liability Coverage Features

  • $1,000,000 per occurrence / $2,000,000 aggregate
  • Bodily Injury, Property Damage and Personal & Advertising Injury
  • Fire Damage Legal Liability
  • Medical Expense Payments

Optional Liability Coverages

  • CPL (comprehensive personal liability) if Owner-occupied
  • Water Damage Legal Liability
  • Director and Officers ( D&O)/Crime (Fidelity & Employee Dishonesty)
  • Hired and non-owned Automobile
  • Personal and Commercial Umbrellas up to $5,000,000