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.

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

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

3. 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.

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

   *$250 DEDUCTIBLE APPLIES TO THE ABOVE COVERAGES.
   Other deductible amounts are available.

5. PERSONAL LIABILITY - Coverage available up to $1,000,000 for accidental Bodily Injury and Property Damage to others that you are held legally responsible. Higher limits are available.

6. MEDICAL PAYMENTS - Pays up to $1000 for medical payments to others for any reasonable medical, surgical, hospital, ambulance, professional nursing, and funeral services. Higher limits are available.

7. TENANT - Provides personal property coverage for renters.

8. DWELLING FIRE - Provides coverage for dwelling and structures. Appropriate for rental property.

**JEWELRY, WATCHES, FURS, ETC. - There is a $1000 maximum limit on jewelry, watches, furs, 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.