Our HO-3 preferred package homeowner policy provides the best of both worlds: Excellent protection with the lowest rate provided by leading insurance companies, and designed just for you by our professional staff.

YOUR HOME
When insured with our replacement coverage, you get full cost to repair or replace without depreciation.

OTHER BUILDINGS ON YOUR PROPERTY
When not attached to your dwelling or used for rental, 10 percent of the dwelling amount carried on your home is provided. Higher limits are available.

PERSONAL PROPERTY
Coverage under the policy is extended to include the full cost of repair or replacement of your personal belongings. Some special limits apply.

LOSS OF USE
Pays for additional living expenses if you could not live in your home due to a covered loss.

PERSONAL LIABILITY
Coverage up to $300,000 for accidental bodily injury and property damage to others for whom you are held legally responsible. Higher limits are available.

MEDICAL PAYMENTS
Pays up to $1,000 for medical payments to others for any reasonable medical, surgical, hospital, ambulance, professional nursing and funeral services. Higher limits are available.

**JEWELRY, WATCHES, FURS, ETC.
A $1,000 maximum limit applies on jewelry, watches, furs and precious and semi-precious stones for loss by theft. These items can be insured on a broader coverage basis for the appraised value for an additional premium.