Select

Select

Our Select coverage includes basic level coverage and the four additional coverages listed below. In addition, higher policy limits apply to many coverages.

• Extended dwelling replacement cost—covers additional costs when the loss is more than the policy’s limit
  • Helps cover spikes in rebuilding labor and material costs
  • Helps ensure replacement of materials with like/kind and quality
• Personal property replacement cost—covers damaged, destroyed or stolen property with no deduction for age or condition
• Refrigerated products—covers food spoilage in a refrigerator or freezer due to loss of power
• Lock replacement—covers replacement of external locks when keys are stolen

Select Plus

Select Plus

Select Plus has all the coverages of the Select option, adds two important coverages and increases policy coverage limits for several additional coverages.

• Water back-up and sump overflow—covers up to $10,000 for losses and clean-up cost that result from water backing up through sewers or drains or sump overflows
• Identity protection program—provides proactive and restorative services as well as reimbursement for legal fees, document duplication, mailing costs and more

Select Premium

Select Premium

Select Premium is designed for the well-established homeowner. It goes beyond Select Plus with even more coverages and policy payment limit increases such as an additional $15,000 of coverage for water back-up and sump overflow losses totaling $25,000 in coverage.

• Waive deductible—removes the deductible when the loss to an insured's home exceeds $50,000
• Special personal property coverage—covers the insured against all but specifically named causes of loss (such as freezing, wear and tear, smog, rust and corrosion, release or escape of pollutants) and broadens some policy payment limits. Covers:
  • Misplacing or losing firearms, jewelry, and silverware
  • Breaking fragile items not covered in standard policies
  • Damage resulting from earth movement not associated with earthquakes

Select Premium Extra* 

Select Premium Extra* 

• Guaranteed replacement cost to ensure we rebuild an insured's house with materials and craftsmanship of like kind and quality in the event of a covered loss
• Increased loss of use limit to the actual loss sustained during a coverage period up to 24-months from the time of loss
• Debris removal coverage up to 100% of the limit that applies to the damaged property
• Ordinance or law coverage up to 100% of the Coverage A limit, provides coverage to meet current building codes, pay permit fees, engineering fees, and other specified fees.

* Optional coverage may be added for an additional premium.