Your house and its contents

How Do I Value My Structures?

If you are uncertain as to the current value of your structures for insurance purposes, you can contact a local builder to ask for an estimate to replace your buildings with buildings of similar size, structure, and function.

An appurtenant structure is a structure of lesser value on the same premises as the main insured structure, such as a detached garage or shed, that is not designed or used for farming.

Loss of Use provides coverage for the cost of additional living expenses that may result from damage to your residence or reimburses you for the fair rental value of the residence. Coverage lasts until the structure is repaired or replaced. Coverage limits range from 10% of the value of the dwelling to actual costs, depending on the Covered Causes of Loss selected.

Includes losses from:
(1) thru (11) listed above and; (12) Falling Objects; (13) Weight of Ice, Snow, or Sleet; (14) Sudden and Accidental Tearing Apart, Cracking, Burning, or Bulging of a heating, air-conditioning, or automatic sprinkling system or water heater; (15) Accidental Discharge or Overflow of Liquids or Steam from a plumbing, heating, air-conditioning, or automatic sprinkling system; water heater; or domestic appliance; (16) Freezing of a plumbing, heating, air-conditioning, or automatic sprinkling system; water heater; or domestic appliance; (17) Sudden and Accidental Damage from Artificially Generated Electrical Currents.

Available only when the dwelling is owner occupied.
Residence - Coverage for your Residence and Related Private Structures is provided for all risks of direct physical loss that are not specifically excluded.
Contents - your household contents are covered for all direct causes of physical loss that are not otherwise excluded.
Loss Settlement - losses to your residence are settled on a replacement cost basis, subject to the insurance to value requirements of the policy. Losses to your household contents are settled on a Replacement Value basis.
Limitations on Certain Property - Similar to the Limitations on Certain Property from Special Perils, however the built-in limits are generally higher.

This coverage can be added to a property policy written on a replacement cost basis. It provides coverage for the increased cost to repair or replace a structure, including demolition or removal costs, resulting from the enforcement of any building, zoning, or land use law, when the repair or replacement is made necessary by a covered cause of loss. This coverage is only available under Special or Elite Perils.