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Homeowners


Unlike other policies, Prestige® Home, Premier or Standard, responds with a higher level of protection for fine homes and lifestyles.

Ordinary policies do not protect you when skyrocketing building costs exceed the amount of coverage in your policy. Be wary of policies that cut corners if rebuilding costs are higher, leaving you with something far less than expected.

We also offer coverages for specialized types of fine homes, such as

Prestige Home Overview

Home - Full Cost Replacement Coverage
Pays for a home of a like kind and quality at its current price to replace with no deduction for depreciation -- even when costs exceed coverage amount. A cash settlement option is available.

 

Personal Property - Replacement Cost Coverage
Pays for contents of a home at the current price to replace with no deduction for depreciation. A cash settlement option is available.

 

Other Structures - Replacement Cost Coverage
Replaces structures, such as unattached garage or fences.

 

Increased Costs Required by Code Changes
Guards against any cost increases for repairs or construction as a result of changes in building, zoning or land use codes.

 

Loss Assessment Coverage
Pays when homeowners association assesses all unit owners for a common loss.   Standard covers up to $1,000, while Premier covers up to $50,000.

 

Backup of Sewers and Drains
Pays costs of overflow from sewers, drains and sumps. Available by endorsement in Standard and included in Premier.

 

Premier only coverages:

Deductible Waiver
Waives deductibles of $10,000 or less when losses exceed $50,000.*

 

*special deductible still applies (e.g., hurricane deductible)

Optional coverages for Prestige Home Premier 

To learn more, contact a > Fireman's Fund independent agent.

 

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