The forms we use are AAIS. Our basic form is an FL-1 which provides fire and lightning, explosion, windstorm, hail, riot or civil commotion, aircraft, non-owned vehicle damage, sudden and accidental damage from smoke, sinkhole collapse, volcanic action, optional vandalism, emergency removal, debris removal, trees, plants, shrubs, or lawns, fire department service charges, and tenants improvements.
FL-502 Broad Form is a step up from the basic form, providing coverage for additional perils such as weight of ice, snow, or sleet, freezing, collapse and glass breakage. Additional coverage’s include: accidental discharge or overflow of water or steam, sudden and accidental damage from artificially generated electrical currents, grave markers, collapse, property removal, falling objects, freezing, aircraft, burglary, vandalism, sudden and accidental tearing apart.
Homeowners Form 2 Broad Form: Provided broader insurance protection and security for homeowners who have moved into newer and larger homes.
Homeowners Form 3 Special Form: Insurance protection for property and possessions of high value and outstanding quality.
Principal Coverages: Coverage A is Residence which included additions and attached fixtures. Coverage B is Related Private Structures to include fences, driveways and sidewalks. Coverage C is Personal Property that includes 10% off premises. Coverage D is Additional Living Expenses which pays increased living costs while dwelling is unfit for use as a result of a covered peril.
Personal Liability is included on Homeowners Form 2 and 3. Liability covers claims for injuries to persons injured by occurrences on your property, off premises injuries to others arising from acts of your family, or your pets, anywhere. Medical expenses for injuries to others on your premises or from your activities, costs of defending suits, including attorney fees, etc. until coverage is exhausted. Damage to property of others caused by anyone in your family.