Up to 125% Dwelling Replacement Cost – Pays up to 125% of your dwelling coverage limit to replace your home in the event of a total loss, when Home Protector Coverage is included on your policy.
Increased Limits on Your Liability Coverage – Provides more protection if a claim or lawsuit is brought against you because someone gets hurt or property is damaged, either as a result of an accident or event occurring on your property, or as a result of an accident or action you are involved in.
Replacement Cost Coverage for Personal Property – Covers your belongings at today's market value with no depreciation factored in.
Increased Theft Coverage for Jewelry – Increased limit from $1000 to $10,000.
Special Military Coverage – Pays up to $10,000, with no deductible, for damage to your personal property caused by war. We will also waive your deductible for covered losses to your military uniforms and equipment while on active duty or active reserve duty.
Identity Theft Coverage – Provides $5,000 toward expenses related to identity theft, credit card fraud and other forms of financial fraud.
Water Backup Protection – Provides coverage for damage caused by water backup from the plumbing system outside your home, or by overflow from a sump pump.
New and expanded discounts are now available to our members.
Auto and Homeowners Combination Discount – Provides a premium credit for members who have an active auto policy, or obtain one within 60 days when applying for a Homeowners policy. If an auto policy is bought after those time frames, the discount will not apply until the Homeowners policy renews.
Home Age Discount – Receive a substantial reduction off your homeowner's policy for a brand new home. The amount of this discount will vary based on the age of your home and will apply to homes of all ages. The discount does not apply to condos.
Claims Free Discount – Receive a 10% discount off your primary Homeowners policy when you've had no Homeowners or Renters claims in five or more years.