Home-Guard® Policy

Property Coverages


  • The dwelling located on the described premises
  • Materials and supplies located on or next to the described premise used in construction for the Dwelling.

Other Structures

  • Other structures located on the described premise.
  • Materials and supplies located on or next to the described premise used in construction for the Other Structures.
  • Privacy or decorative fences – within 100 feet of the Dwelling.

Personal Property

  • Personal property located at the described premises.
  • Personal property owned or used by an insured while it is anywhere in the world.
  • Limited coverage for personal property that is temporarily located at an insured’s residence, other than the residence premises.

Additional Living Expenses and Loss of Rents

  • Covers the increase in your living expenses while your property is being repaired or replaced
  • Covers the loss of rents you might incur while the rented portion of the premises is unfit to occupy

Additional Coverages

  • Debris Removal
  • Reasonable Repairs After a Covered Loss
  • Trees, Shrubs and Other Plants – Specified Perils
  • Outside Radio/Television Equipment and Satellite Dishes
  • Credit Card
  • Loss Assessment
  • Collapse
  • Property Removed
  • Glass or Safety Glazing Material
  • Grave Markers

Personal Liability Protection

Liability to Public

  • Coverage for claims made against an insured person for bodily injury or property damage arising from accidents or injuries occurring for which the insured becomes legally obligated to pay due to personal acts.

Medical Payments

  • Provides coverage for medical expenses that arise from accidents or injuries.

Damage to Property of Others

  • Covers property damage to property of others which you borrow or use.

Identity Theft Protection

  • With this policy, your household family members have free access to fraud specialists at Identity Theft 911, a leader in identity management and fraud education. They can assist you in preventing identity theft, replacing important documents, and resolving any identity theft occurrences.

Optional Coverages


  • Condominium Unit Owners
  • Earthquake
  • Equipment Breakdown Coverage
  • Fire Department Service Charges
  • Open Perils Coverage For Dwelling
  • Refrigerated Products ($500 and $1,000)
  • Replacement Cost Coverage for the Dwelling
  • Replacement Cost for Household Personal Property
  • Scheduled Personal Property
  • Service Line Coverage
  • Water Backup of Sewer and Drains (Up to $25,000)


  • Additional Insured
  • Additional Premises
  • Business Pursuits
  • Contractual Liability
  • Farm Landowners Liability
  • Home Day Care Provider
  • Incidental Agricultural Activities
  • Incidental Business Activities
  • Personal Injury
  • Residential Rental Property

Home-Guard Select And Elite

If your home qualifies, you will be eligible for the expanded coverages offered by the Home-Guard® Select or Elite policy. These additional coverages include:

  • Guaranteed Replacement Cost coverage for the Dwelling
  • Open Perils coverage for the Dwelling and Contents
  • Replacement Cost for Household Personal Property
  • Water Backup of Sewer and Drains – $5,000