Protect Your Home With The Home-Guard® Policy

Thank you for considering the Home-Guard® policy. This page should help you make an informed decision about the insurance coverages we offer and the coverages you need.

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

The 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.

Basic Home-Guard Policy

Property Coverages

Dwelling

  • The dwelling located on the described premises
  • Construction materials at the premises for use with your dwelling

Other Structures

  • Other structures located on the premises
  • Construction materials at the premises for use with other structures
  • Sidewalks and driveways
  • Privacy or decorative fences

Personal Property

  • Personal property located at the premises
  • Automatic coverage for personal property temporarily away from premises

Additional Living Expenses and Loss of Rents

  • Covers the increase in your living expenses while your property is being repaired or replaced
  • Covers the loss of rents you might incur while the rented portion of the premises is unfit to occupy

Additional Coverages

  • Debris Removal
  • Emergency Removal of Property
  • Necessary Repairs After Loss
  • Trees, Shrubs and Plants
  • Refrigerated Products ($250 Included)
  • Outside Radio/Television Equipment and Satellite Dishes
  • Credit Card
  • Loss Assessment
  • Collapse
  • Water Backup (Optional Coverage Up to $10,000)

Personal Liability Protection

Public Liability
Coverage for claims made against an insured person for bodily injury or property damage arising from accidents or injuries occurring on the premises for which the insured becomes legally obligated to pay due to personal acts

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

Home-Guard Plus Policy

If your home qualifies, you will be eligible for the expanded coverages offered by the Home-Guard® Plus Policy. These additional coverages include:

  • Replacement cost for the dwelling
  • Replacement cost on the contents for named perils
  • Additional coverage endorsement
  • $2500 in water sewer back up included
  • Equipment Breakdown

Home-Guard Elite Policy

If your home qualifies, you will be eligible for the expanded coverages offered by the Home-Guard® Elite Policy. These additional coverages include:

  • Guaranteed replacement cost
  • Replacement cost on the contents with open perils coverage
  • $2500 in water sewer back up included
  • Equipment Breakdown

Optional Coverages

Property

  • Inflation Guard
  • Farm/Household Operations Records
  • Earthquake
  • Water Backup
  • Condominium Unit Owners
  • Scheduled Personal Property
  • Replacement Cost for Household Personal Property
  • Water Backup (Up to $10, 000)

Liability

  • Incidental Business Activities
  • Business Pursuits
  • Home Day Care Provider
  • Incidental Agricultural Activities
  • Contractual Liability
  • Waterbed
  • Additional Insured
  • Additional Premises

This information provides a basic description of the insurance provided for this product. These summarized coverage descriptions are intended for reference and don’t include policy conditions, exclusions, or limitations. For a complete description of the policy features consult your agent.