Home Products

Home–Guard® Select— owner occupied dwelling that provides replacement coverage up to 125% of insured value including replacement on contents and other structures.

Rented Dwelling— non owner occupied dwelling in town that provides actual cash value coverage. Can include up to 4 units.

Tenant Home–Guard® — coverage for contents up to 100% of insured value for replacement coverage.

Some of the optional coverages available:

• Theft of Construction Materials
• Water Backup of Sewer or Drains-Sump Pump Failure
• Earthquake
• Inland Marine–Special Personal Property Rider
• Equipment Breakdown–Surge Protection

Farm Products

Select Home— Package policy for owner occupied dwelling that provides replacement coverage including replacement on contents

Outbuildings— Actual cash value coverage.

Some of the optional coverages available:

• Specific Farm Personal Property
• Blanket Farm Personal Property
• Cab Glass Breakage
• Additional Operating Expense
• Peak Season
• Theft of Construction Materials
• Water Backup of Sewer or Drains-Sump Pump Failure
• Earthquake
• Outside Wiring
• Submersible Pumps
• Inland Marine–Special Personal Property Rider
• Equipment Breakdown–Surge Protection