Protect Your Home With The Home-Guard® Policy

The Home-Guard® policy provides outstanding protection for your most important asset — your home.

This policy offers a variety of coverages to protect your dwelling and personal property. It also offers protection against possible financial disaster from accidents or injuries occurring on your property or from your personal acts.

Property  Coverages  &  Additional  Endorsements

DWELLING – The dwelling located on the described premises

OTHER STRUCTURES – Other structures located on the premises

PERSONAL PROPERTY – Personal property located at the premises and coverage for personal property temporarily away from premises

ADDITIONAL LIVING EXPENSE – Covers the increase in your living expenses while your property is being repaired or replaced

SERVICE LINE COVERAGE – Provides up to $10,000 coverage for water, sewer, cable, natural gas, communications, and electrical lines on the property

SEWER BACK UP COVERAGE – Up to $25,000 coverage per dwelling per policy year

EQUIPMENT BREAKDOWN COVERAGE – Provides farm and dwelling coverage for any electrical, mechanical and pressure related equipment and appliances

CYBER COVERAGE & LIABILITY – Covers identity theft, data recovery & restoration, online fraud, cyber extorsion, online bullying, breach notification costs and credit card fraud

Personal  Liability  Protection

Public Liability – Coverage for claims against an insured for bodily injury or property damage occurring on the premises for which the insured becomes legally liable

Medical Payments – Provides coverage for medical expenses that arise from accidents or injuries occurring on the insured premises

Damage to Property of Others – Covers property damage to property of others which you borrow or use