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Homeowners Insurance Coverages
| COVERAGES |
DIRECT PLATINUM |
DIRECT GOLD |
| Home Replacement Cost Guarantee |
Up to policy limits or other loss settlement clause |
Up to policy limits or other loss settlement clause |
| Personal Property Replacement Cost |
Included |
Optional |
| Personal Property (contents) - % of Dwelling Coverage |
50% |
50% |
| Additional Living Expenses - % of Dwelling Coverage |
20% (No Time Limit) |
20% (No Time Limit) |
| Building Structures Not Attached - % of Dwelling Coverage |
10% |
10% |
| Personal Injury Liability |
Optional |
Optional |
| Business Property Off Premises |
$250 |
$250 |
| Business Property On Premises |
$2,500 |
$2,500 |
| Computers |
Included for certain perils |
Included for certain perils |
| Debris Removal |
Included with certain limits |
Included with certain limits |
| Fire Department Service Charges |
$500 |
$500 |
| Manuscripts |
$1,000 |
$1,000 |
| Money, Etc. |
$200 |
$200 |
| Refrigerated Property (up to $500) |
Included |
Included |
| Theft of Firearms |
$2,000* |
$2,000 |
| Theft of Jewelry, Furs, Watches |
$1,000* |
$1,000 |
| Theft of Silverware and Goldware |
$2,500* |
$2,500 |
| Trees, Plant, Shrubs (up to $500 each) |
5% of Dwelling Coverage |
5% of Dwelling Coverage |
| Watercraft and Trailers |
$1,000 |
$1,000 |
* Includes loss by misplacing or losing
| Optional Coverages Available |
DIRECT PLATINUM |
DIRECT GOLD |
| Additional Coverage for Jewelry, Watches and Furs |
Yes |
Yes |
| Additional Coverage for Cameras, and Musical Instruments |
Yes |
Yes |
| Additional Money and Securities Coverage |
Yes |
Yes |
| Business Personal Property |
Yes |
Yes |
| Special Computer Coverage (additional perils protection) |
Yes |
Yes |
| Optional Endorsements Available |
DIRECT PLATINUM |
DIRECT GOLD |
| Coverage for Liability Arising from Domestic Employees |
Yes |
Yes |
| Earthquake Coverage |
Yes |
Yes |
| Windstorm and Hail Deductible |
No |
No |
Coverage information is intended to be a summary and does not supplement or replace specific language of the insurance contract.
Take a few minutes to get a free, no obligation quote, and see just how affordable our rates can be.
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"Consider getting a written appraisal for your most valuable personal property. Have them scheduled on your policy to ensure you receive full value in case of loss." |
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