Open the Door to . . .

. . . A New Dimension in Home Insurance Protection

• Your Home and any Attached Structures.
• Other structures at your premises that are separate from the dwelling.
• Personal Property wherever it may be.
• Loss of Use which covers the additional living expenses you incur due to temporary relocation.
• Personal Liability for personal injury, including bodily injury or property damage claims brought against you anywhere in the world.
• Medical Payments to Others who are injured in an accident arising from your premises or personal activities.

• Coverage up to $2,500 for loss due to theft, forgery or unauthorized use of a credit card and unknowingly accepting counterfeit money.
• Payment up to the Personal Property limit for loss to contents of a refrigerator or freezer from either power or mechanical failure.
• Reimbursement for fire extinguisher recharge after a fire loss.
• Payment for replacement of automatic garage door transmitters which have been stolen. Also, coverage is provided for cost to reprogram the frequency on additional transmitters and/or the control unit box.
• Coverage up to $3,000 for theft of jewelry, watches, furs, precious and semi-precious stones. (Coverage for misplacing or losing of jewelry, watches, furs, precious and semi-precious stones is included in Ultracover and Condocover Policies.)
• Payment for all reasonable fire department service charges to save or protect insured property.
• Coverage up to $3,000 for theft of guns. (Coverage for misplacing or losing of guns is included in Ultracover and Condocover Policies.)
• Coverage up to $3000 for theft of silverware, silver-plated ware, goldware, gold-plated ware and pewterware. (Coverage for misplacing or losing of silverware, silver-plated ware, goldware, gold-plated ware and pewterware is included in Ultracover and Condocover Policies.) (Not applicable in Virginia)
• Under the liability and medical payments protection, coverage for watercraft powered by one or more outboard motors with up to and including 75 total horsepower.

The 2003 Extracover Edition will protect your home and personal belongings from damage caused by the following perils:

Compare our quality, our service, our coverages and our price. You'll realize, as many people already do, that this policy truly is a new dimension in home insurance protection.

• $500 - (Broadcover, Extracover, and Tenantcover Policies) for money, bank notes, bullion, gold other than goldware, silver other than silverware.
• $750 - (Ultracover and Condocover Policies) for money, bank notes, bullion, gold other than goldware, silver other than silverware.
• $2,500 - Accounts, bills, deeds evidences of debt, letters of credit, securities, tickets, stamps and philatelic property.
• $2,500 - Trailers and campers (not otherwise insured) whether licensed or not.
• $2,500 - Watercraft, including their trailers (whether licensed or not), furnishings, equipment and outboard motors.
• $5,000 - Theft of guns (Broadcover, Extracover and Tenant cover Policies only).
• $5,000 - Theft, misplacing or losing of guns (Ultracover and Condocover Policies only).
• $5,000 - Theft of jewelry, watches, furs, precious and semi-precious stones (Broadcover, Extracover and Tenantcover Policies).
• $5,000 - Theft, misplacing or losing of jewelry, watches, furs, precious and semi-precious stones (Ultracover and Condocover Policies).
• $5,000 - Theft of silverware, silver-plated ware, goldware, gold-plated ware and pewterware (Broadcover, Extracover and Tenantcover Policies only).
  (Not applicable in Virginia)
• $5,000 - Theft, misplacing or losing of silverware, silver-plated ware, goldware, gold-plated ware and pewterware (Ultracover and Condocover Policies).
  (Not applicable in Virginia)

• $750 -- Money, bank notes, bullion, gold other than goldware, silver other than silverware.
• $2,500 -- Accounts, bills, deeds, evidences of debt, letters of credit, securities, tickets, stamps and philatelic property.
• $2,500 -- Trailers and campers (not otherwise insured) whether licensed or not.
• $2,500 -- Watercraft, including their trailers (whether licensed or not), furnishings, equipment and outboard motors.
• $5,000 -- Theft of guns (Broadcover and Extracover Policies only).*
• $5,000 -- Theft, misplacing or losing of guns (Ultracover Policy only).*
• $5,000 -- Theft of jewelry, watches, furs, precious and semi-precious stones (Broadcover and Extracover Policies only).*
• $5,000 -- Theft, misplacing or losing of jewelry, watches, furs, precious and semi-precious stones (Ultracover Policy only).*
• $5,000 -- Theft of silverware, silver-plated ware, goldware, gold-plated ware and pewterware (Broadcover and Extracover Policies only). (Not applicable in Virginia.)*
• $5,000 -- Theft, misplacing or losing of silverware, silver-plated ware, goldware, gold-plated ware and pewterware (Ultracover Policy only). (Not applicable in Virginia.)*

In addition, this endorsement will provide these outstanding features:

• Payment up to an additional 10 percent of the amount of insurance under Dwelling Coverage for loss to trees, shrubs, plants and lawns at the residence premises. (See endorsement for coverage provisions.)
• Payment for direct loss caused by water or sewage which backs up through sewers or drains.
• Ordinance or law coverage.
• Waive the deductible shown on the Declarations for any loss from a covered peril, exceeding $50,000.

* $3,000 limit per item.

• Earthquake Coverage
• Nurses' Professional Liability
• Personal Computer Coverage (All-Risk Coverage)
• Replacement Cost on Personal Property
• Sinkhole Coverage
• And more . . .

• New Home Discount
• Premises Alarm
• Sprinkler System Credit
• Multi-Policy Discount