Homeowners

• Offering full uncapped replacement cost coverage-Rebuilds home and other structures at existing property after a total loss –even if the cost exceeds the policy limit; if the land is unusable, coverage is available at a new location
• Cash settlement option-Offers replacement cost up to dwelling limit in cash if not rebuilding after a total loss
• Replacement cost contents settlement
• Flexible limits-Flexibility to tailor coverage limits –increase or decrease –for personal property and other structures
• Loss of use-Unlimited loss of use coverage to maintain standard of living while home is being repaired; includes cost of evacuating family and kenneling pets.
• Medical expenses-Pays for bodily injury medical expenses to a third party as a result of an accident caused by you or a domestic pet, or an accident occurring on your property –does not reduce limit of liability.
• Mold-Covers losses due to mold or bacteria; options up to 100  percent of dwelling limit available.
• Sewer, drain back-up– Covers backup of sewers and drains due to surface water (not flood); provided without a separate deductible or sub limit.
• Deductible waiver– Waives deductible for losses over $50,000 in most cases if deductible is $25,000 or less.
• Identity fraud– Covers expenses due to identity fraud.
• Kidnap expenses– Pays cost of private investigators, attorneys, travel, and lost income.
• Family security option– Covers expenses and rewards related to home invasion, child abduction, car jacking, stalking, and more.
• Landscaping– Replaces or repairs trees, shrubs, plants, lawn after covered loss.