Comprehensive homeowner policies for fine homes.

• All-risk coverage provides protection against property damage or loss, providing broad coverage with few restrictions. Specific exclusions apply in some instances
• Extended replacement cost offers full-cost home repairs or rebuilding to its original condition, even if the cost exceeds the policy limit. It includes necessary upgrades due to modern building codes.
• Cash settlement, in the event the policyholder decides not to rebuild, up to the policy limit.
• Temporary living arrangement
• Replacement cost coverage for items such as upgraded appliances, custom cabinets, flooring or carpentry. Belongings are covered for the amount it costs to replace them today, without deduction for depreciation, up to the limit chosen on the policy.
• Unlimited coverage is available for required upgrades to satisfy local building ordinances during the rebuilding process.
• The deductible is waived typically on losses greater than $50,000 when the deductible is $50,000 or less, minimizing out of pocket expenses in the event of a significant loss.

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