Property insurance provides financial reimbursement to the property owner or renter of a Structure and its contents in the event of a covered cause of loss.

Property insurance will reimburse the policy holder for Replacement Cost or for Actual Cash Value of damages.

 

The covered Perils are as follows:

 

Basic Form ……………………. Fire, Lightning, Internal Explosion.

Extended Coverage, Vandalism and Malicious Mischief can be added for an additional premium.

 

Broad Form …………………. Fire, Lighting, Internal Explosion, Wind & Hail, Smoke, Aircraft or vehicles, Riot or Civil Commotion, Vandalism,

Snow, Ice, and Sleet Water, Collapse and other coverages

 

Special Form ………………. Includes all causes of loss under the Broad Form, including Theft.

Additional causes of loss are covered, except for those Perils specifically excluded under the coverage form.