Coverage Info

Homeowners

Home and Private Outbuildings:
Your Residence is covered for full replacement cost provided it is insured for 80% of its replacement value, up to the limit of liability.
Private Outbuildings located on the premises are covered for 10 to 20% of the insurance on your residence.

Personal Property—Home and Away:
Personal Property is covered for 50 to 75% of the insurance on your house and a lesser amount is available off premises.  Higher limits are available.

Additional Living Expense:
Extra Living Expenses that you might incur if your home should become inhabitable following a disaster, such as temporarily living in a motel, are usually covered for up to 30% of the limit of the insurance on your house under your Homeowners Policy.

Personal Liability:
Claims for Injuries You are covered against claims for injury or damage to the property of others for which you are legally liable.
Medical Expenses You are covered for such minor expenses arising from injuries to others on or off your premises.

Auto

Bodily Injury Liability:
Pays claims against you, including the cost of your legal defense, resulting from injuries to other persons in an automobile accident for which you are legally liable.

Property Damage:
Pays for claims for your financial loss if you are found liable for physical damages to tangible property belonging to a third party.

Collision:
Optional coverage that reimburses you for damage to your vehicle resulting from overturning or from colliding with another object, including another vehicle, regardless of who is at fault.

Comprehensive (Other-than-Collision):
Optional coverage that reimburses you for damage to your vehicle resulting from fire, theft, vandalism, collision with an animal, or falling objects.

No-Fault / Personal Injury Protection (PIP):
Coverage through which the financial losses you, your passengers, or a pedestrian sustain from an auto accident—such as medical and hospital costs and lost income—are paid by your insurance company regardless of who is at fault.

Supplementary Uninsured/Underinsured Motorist:
Uninsured motorist coverage pays for injuries sustained by you and your passengers and damage to your property caused by an uninsured motorist or a hit-and-run driver.  Underinsured motorist coverage pays when you or your passengers are injured as a result of negligence by someone with insufficient liability insurance to cover your losses. Here's a Safeco Video to help illustrate this point:

Commercial

Property & Liability Options Include:

• Business Owners—a broad grouping of coverages, pre-packaged to fit many Business Owner's needs.
• Commercial Package—may not automatically include as many coverages as Business Owners but is more customizable.
• Special Multi-Peril—more limited in scope of coverage than above options
• Commercial Fire & Liability—most limited form of property/liability coverage

The main components of these Property & Liability packages are typically:

• Building & Business Personal Property—covers your building and contents
• Business Income Coverage—reimburses you for loss of income due to a covered loss
• General Liability Coverage—covers you against claims resulting from your business operations, including associated defense costs

Other lines of coverage include:

• Workers' Compensation (on the job)—medical expenses and % of lost wages
• Disability (off the job)—% of lost wages only
• Commercial Automobile—business use automobiles
• Professional Liability—errors & omissions coverage for your line of work
• Directors & Officers Liability—for non-profit and for-profit operations
• Employment Practices Liability—discrimination and harassment coverages
• Umbrella Liability—additional layer of liability above and beyond the general liability and automobile, possibly others.
• Cyber Liability—this is a relatively new risk that most businesses face. It does more than the name suggests. See this video for more information.
   

Available Personal Coverages

• Antique Vehicles
  
  
• ATV
  
  
• Boat/Yacht
  
  
• Collector Vehicles
  
  
• Earthquake
  
  
• Flood
  
  
• Identity Theft
  
  
• Motor Home
  
  
• Motorcycle
  
  
• Personal Watercraft
  
  
• Snowmobile
  
  
• Travel Trailer
  
  
• Umbrella Liability
  
  
• Vacation Home
  
  
• Valuable Items:  computer equipment, cameras, jewelry, musical instruments, golf clubs, collections