COMMON PERILS

Natural Disaster

  • Tornado/Windstorm

  • Hail Damage

  • Fire/Lightning Strike

 
Weather

  • Frozen Pipes

  • Snow/Ice Buildup

  • Water Seepage

 
Unexpected Occurrences

  • Accidental Overflow of Plumbing Fixtures

  • Chemical Spillage

  • Damage by Vehicle/Aircraft

  • Explosion

  • Falling Objects

  • Glass Breakage

  • Legal Defense for Personal Liability

  • Medical/Property Liability Payments to Others

  • Sudden Smoke Damage

 
Civil Disobedience

  • Riot/Civil Commotion

  • Theft

  • Vandalism

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What We Cover

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Personal Property

  • All-terrain vehicles

  • Automobiles

  • Boats and yachts

  • Coins and stamps

  • Farm equipment

  • Fine arts

  • Furs

  • Guns

  • Home-based business liability

  • Home-based business property

  • Jewelry

  • Mobile homes

  • Mobile telephones

  • Musical instruments

  • Personal computers

  • Personal liability

  • Personal watercraft

  • Refrigerated contents

  • Replacement cost of home and personal property

  • Silverware

  • Snowmobiles

  • Sport utility vehicles

  • Tools

  • Trailers

 

Optional Coverages

  • Additional perils during construction

  • Identity fraud expense

  • Personal umbrella liability

  • Sewer backup

  • Water backup/sump overflow

 

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