Please contact 877-417-8673, ext. 3 or email us using the Contact Us button for questions about your coverage.
Covered Causes of Loss
Covered causes of loss means direct physical loss or damage to covered property caused by:
- Fire or lightning
- Windstorm, hail, tornado, hurricane, explosion, aircraft, vehicles, smoke, earthquake, volcanic eruption, landslide, sinkhole collapse, riot, strike, or civil commotion
- Falling objects, provided the building is first damaged by such falling objects, weight of ice, snow, or sleet
- Collapse of buildings or any part thereof containing the covered property
- Rodent Damage ($500 limit)
- Water damage
- Vandalism and malicious mischief
- Certified act of terrorism
Additional Coverage Options:
- Debris Removal
- Burglary or Holdup
- Extra Rental Expense
- Transit
- Mildew, Fungus, Bacteria, Wet or Dry Rot Coverage ($500 Limit)
Limited Mildew, Fungus, Bacteria, Wet or Dry Rot Coverage ($500 Limit
Limited Vehicle/Trailer Contents Coverage – Outdoor Storage Space ($2000 Limit)
Limited Property Damage
- Limited Flood Coverage
- Replacement Cost Settlement
The following are NOT covered
- Accounts, bills, currency, documents, records, deeds, evidences of debt, money, notes, securities, stamps, evidence of ownership, contracts, and titles, negotiable instruments, or lottery tickets
- Animals, birds, or fish
- Furs, fur garments, or garments trimmed with fur
- Jewelry, watches, and photographic equipment
- Precious or semiprecious stones, bullion, gold, goldware, silver, silverware, and silver and goldplated ware, platinum, or other precious metals or alloys
- Contraband or property in the course of illegal transportation or trade
- Firearms, explosives, or ammunition
- Vehicles, trailers, or watercraft stored in the open at a scheduled premise or while in transit
- Breakage of glass or similar fragile articles
- Illegal drugs
- Food or alcohol
- Cigarettes or other smoking materials
Refer to the certificate for exclusions.
State-Specific Fraud Warnings and Statements
Please refer to your specific state below.
General is used for any State without a State-Specific Notice – CT, GA, HI, IA, IL, MA, MI, MO, MS, MT, NE, NC, ND, NV, SC, SD, UT, WY, and WI.
Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an enrollment form or in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
Alabama – Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or who knowingly presents false information in an application for insurance is guilty of a crime and may be subject to restitution fines or confinement in prison, or any combination thereof.
Alaska – A person who knowingly and with intent to injure, defraud, or deceive an insurance company files a claim containing false, incomplete, or misleading information may be prosecuted under state law.
Arizona – Any person who knowingly presents a false or fraudulent claim for payment of a loss is subject to criminal and civil penalties.
Arkansas, Rhode Island, West Virginia – Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
California – For your protection California law requires the following to appear on this form. Any person who knowingly presents false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.
Colorado – It is unlawful to knowingly provide false, incomplete, or misleading facts or information to an insurance company for the purpose of defrauding or attempting to defraud the company. Penalties may include imprisonment, fines, denial of insurance, and civil damages. Any insurance company or agent of an insurance company who knowingly provides false, incomplete, or misleading facts or information to a policyholder or claimant for the purpose of defrauding or attempting to defraud the policyholder or claimant with regard to a settlement or award payable for insurance proceeds shall be reported to the Colorado division of insurance within the department of regulatory agencies.
Delaware – Any person who knowingly, and with intent to injure, defraud, or deceive any insurer, files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
District of Columbia – WARNING: It is a crime to provide false or misleading information to an insurer for the purpose of defrauding the insurer or any other person. Penalties include imprisonment and/or fines. In addition, an insurer may deny insurance benefits if false information materially related to a claim was provided by the applicant.
Florida – Any person who knowingly and with intent to injure, defraud or deceive any insurer files a statement of claim or an application containing any false, incomplete or misleading information is guilty of a felony of the third degree.
Idaho – Any person who knowingly and with intent to defraud or deceive any insurance company files a statement of claim containing any false, incomplete, or misleading information is guilty of a felony.
Indiana – A person who knowingly and with intent to defraud an insurer files a statement of claim containing any false, incomplete, or misleading information commits a felony.
Kansas – Fraud is defined as an act committed by any person who, knowingly and with intent to defraud, presents, causes to be presented or prepares with knowledge or belief that it will be presented to or by an insurer, purported insurer, broker or any agent thereof, any written, electronic, electronic impulse, facsimile, magnetic, oral, or telephonic communication or statement as part of, or in support of, an application for the issuance of, or the rating of an insurance policy for personal or commercial insurance, or a claim for payment or other benefit pursuant to an insurance policy for commercial or personal insurance which such person knows to contain materially false
information concerning any fact material thereto; or conceals, for the purpose of misleading, information concerning any fact material thereto.
Kentucky – Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime.
Louisiana – Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
Maryland – Any person who knowingly or willfully presents a false or fraudulent claim for payment of a loss or benefit or who knowingly or willfully presents false information in an application for insurance is guilty of a crime and may be subject to fines and confinement in prison.
Minnesota – A person who files a claim with intent to defraud or helps commit fraud against an insurer is guilty of a crime.
New Hampshire – Any person who, with a purpose to injure, defraud, or deceive any insurance company, files a statement of claim containing any false, incomplete, or misleading information is subject to prosecution and punishment for insurance fraud, as provided in RSA 638:20.
New Jersey – Any person who includes any false or misleading information on an application for an insurance policy is subject to criminal and civil penalties.
New Mexico – Any person who knowingly presents a false or fraudulent claim for payment of a loss or benefit or knowingly presents false information in an application for insurance is guilty of a crime and may be subject to civil fines and criminal penalties.
New York – Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information, or conceals for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent insurance act, which is a crime, and shall also be subject to a civil penalty not to exceed five thousand dollars and the stated value of the claim for each such violation.
Ohio – Any person who, with intent to defraud or knowing that he is facilitating a fraud against an insurer, submits an application or files a claim containing false or deceptive statement is guilty of insurance fraud.
Oregon – Any person who knowingly and with intent to defraud or solicit another to defraud the insurer by submitting an application containing a false statement as to any material fact may be violating state law.
Oklahoma – WARNING: Any person who knowingly, and with intent to injure, defraud or deceive any insurer, makes any claim for the proceeds of an insurance policy containing any false, incomplete or misleading information is guilty of a felony.”
Pennsylvania – Any person who knowingly and with intent to defraud any insurance company or other person files an application for insurance or statement of claim containing any materially false information or conceals for the purpose of misleading, information concerning any fact material thereto commits a fraudulent insurance act, which is a crime and subjects such person to criminal and civil penalties.
Tennessee, Maine, Virginia, and Washington – It is a crime to knowingly provide false, incomplete or misleading information to an insurance company for the purpose of defrauding the company. Penalties include imprisonment, fines or a denial of insurance benefits.
Texas – Any person who knowingly presents a false or fraudulent claim for the payment of a loss is guilty of a crime and may be subject to fines and confinement in state prison.
Vermont – Any person who knowingly presents a false statement in an application for insurance may be guilty of a criminal offense and subject to penalties under state law.
