Property

Property Insurance may insure your building from the following types of damage:

• Fire and Lightning

• Collisions from Vehicles or Aircraft

• Hail

• Sewer/Drain Backup

• Windstorm

• Vandalism

• Volcanic Eruption

• Smoke

• Freezing Conditions or Snow

​

Other items that may be included are Builder’s Risk while your building is being built or reconstructed, and insurance for damage to pertinent/detached structures.

Another important feature to consider in your policy is Dwelling Replacement Coverage. If a fire or other accident leaves your home a “total loss,” this coverage provides for the cost of replacing your home at its current value, rebuilding to code, and Ordinance & Law.