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Section II Liability Coverage includes Personal Liability and Medical Payments to Others

Service Line coverage for exterior underground piping and wiring providing service to the residence premises.

Your furniture, clothes, sports equipment and video games are covered if they are stolen or destroyed by fire.

Insurance declaration page summarizes the information essential to your insurance coverage.

Mariner Plus Endorsement is exclusively available at NBIC for extra premium

Homeowners insurance provides financial protection against loss due to vehicle vs vehicle collision.

Liability protection covers you against lawsuits for bodily injury or property damage that you or your family caused

The standard homeowners policy does not have any exclusions.

Most policies also cover for detached structures such as a garage, shed or gazebo.

Your homeowners policy pays to repair or rebuild your home if destroyed by peril listed in your policy

Equipment Breakdown covered repairs or replacement of mechanical failure to home systems, appliance and much more.

Homeowners policy provides insurance for single, multi-family, primary, secondary and rental properties

Most standard policies include four types of coverage:

Policy Endorsements can be added or removed at anytime during the term

ALE covers hotel bills, meals and other costs above your usual expense while your home is being rebuilt

Policyholders can remove policy exclusions by adding more coverage, endorsements or upgrading to another policy

First Notice of Loss is described best as

Homeowners Special Form (HO3) has 15 named perils

Birds, vermin, rodents and insects are covered under the standard homeowners policy.

Exclusions are added to the policy as an excuse not to pay any money to the policyholder when a claim is presented.

What is not insurance?

Insurance is a contract by which a company or agency provides compensation for specified losses in return of a premium.