Select <b>all</b> insurance types for the primary home and personal property.</p>
<p><b>OWNERS</b></p>
<p><b>Homeowners Insurance</b><br/>
Covers damage caused by wind; hail; lightning; falling objects, including trees; frozen plumbing; weight of ice, snow, or sleet; fire; smoke; power surge; explosion; and riot or civil disturbance. This policy may also provide extra living expenses if the home was damaged by one of these causes.</p>
<p><b>Homeowners Insurance with Sewer Backup Rider</b><br/>
Covers damage included in Homeowners-only insurance and damage caused by sewer backup. Sometimes including seepage caused by flooding. This policy may also provide extra living expenses if the home was damaged by one of these causes.</p>
<ul><li><b>Sewer Backup</b><br/>
An overflow of water and other debris from within a plumbing system.</li></ul>
<p><b>Homeowners Insurance with Earthquake Rider</b><br/>
Covers damage included in Homeowners-only insurance and damage caused by an earthquake or volcanic eruption. This policy may also provide extra living expenses if the home was damaged by one of the causes listed.</p>
<ul><li><b>Earthquake</b><br/>Severe ground shaking from shifts within the earth's crust. Earthquake activity also includes aftershocks and volcanic eruptions.</li></ul>
<p><b>Flood Insurance</b><br/>
Covers damage caused by flooding and waves directly striking property.</p>
<ul><li><b>Flood</b><br/>A temporary covering — partial or complete — of normally dry areas caused by an outside water source. The water may come from the overflow of inland or tidal waters, or from the rapid buildup of rainwater on or in the ground.</li></ul>
<p><b>Mobile Home</b><br/>
Covers damage caused by wind; hail; lightning; falling objects, including trees; frozen plumbing; weight of ice, snow, or sleet; fire; smoke; power surge; explosion; and riot or civil disturbance. This policy may also provide extra living expenses if the home was damaged by one of these causes.</p>
<p><b>Condo/Townhouse Unit Policy</b><br/>
Covers structural elements not shared by other tenants or owned by the association, like from the sheetrock inward. This includes sheetrock, paneling, wall covering, and personal property within the unit.</p>
<p>The policy covers damage caused by wind; hail; lightning; falling objects, including trees; frozen plumbing; weight of ice, snow, or sleet; fire; smoke; power surge; explosion; and riot or civil disturbance. This policy may also provide extra living expenses if the home was damaged by one of these causes.</p>
<p><b>Condo/Townhouse Master Policy</b><br/>
Covers structural elements shared by other tenants or owned by the association, like from the studs outward.</p>
<p>Covers damage caused by wind; hail; lightning; falling objects, including trees; frozen plumbing; weight of ice, snow, or sleet; fire; smoke; power surge; explosion; and riot or civil disturbance.</p>
<p><b>Contents Only</b><br/>
Covers personal property damage caused by wind; hail; lightning; falling objects, including trees; frozen plumbing; weight of ice, snow, or sleet; fire; smoke; power surge; explosion; and riot or civil disturbance.</p>
<p>The policy does not cover structural damage.</p>
<p><b>No Insurance for my Home or Personal Property</b><br/>
Select this if there is <b>NO</b> insurance coverage at all for the home or personal property losses.</p>
<p><b>RENTERS</b></p>
<p><b>Contents Only</b><br/>
Covers damage caused by wind; hail; lightning; falling objects, including trees; frozen plumbing; weight of ice, snow, or sleet; fire; smoke; power surge; explosion; and riot or civil disturbance. This policy may also provide extra living expenses if the home was damaged by one of these causes.</p>
<p>The policy does not cover structural damage.</p>
<p><b>I don't have home or personal property insurance.</b><br/>
Select this only if there is <b>NO</b> insurance coverage at all for the home or personal property losses.</p>
