Personal: Homeowners and Renters Coverage

Personal Property

Protects property in your home including furniture, electronic equipment, appliances, clothing and other valuable belongings.


Dwelling

Basic protection for your home from fire, lightning, earthquake, explosion, typhoon, vandalism and burglary.

Contents With Special Limits

The amount of coverage is determined by the policy limit you select except for a few types of personal property that have special limits.

  • Money, bank notes, coins $200
  • Securities, stamps and deeds $1,000
  • Watercraft and equipment $1,000

Personal Liability

Protects you from possible legal suits arising from persons being injured on your premises. Higher limits are available, up to $100,000. It also protects you if you accidently injure someone while enjoying recreational activities such as golfing, hunting and fishing.

Medical Payment to Others

Covers limited medical expenses for someone who is injured on your property or is accidentally injured by you or a relative living with you. The amount of coverage is determined by the policy plan you select.

Supplementary Coverage

First Aid Expenses pays for the expenses incurred by the insured for first aid to others at the time of an accident or bodily injury.

Supplementary Coverage

  • First Aid Expenses pays for the expenses incurred by the insured for first aid to others at the time of an accident or bodily injury.
  • Debris Removal covers reasonable expenses to remove damaged property following a covered loss.
  • Temporary Repairs covers temporary repairs incurred to protect covered property from further damage.
  • Increase Personal Liability Limits.
    For just $8 more you can increase your personal liability limit to $100,000.

Additional Living Expense

We will pay you up to 5% of sum insured for the dwelling to maintain your standard of living if you are unable to live in your home due to damage caused by any of the insured perils. Covered expenses are those over and above what you would normally spend for food, shelter and related items.

See Motor Vehicle coverage.