Home Guard Select:
Homes that are newer or have been renovated and have a newer roof, furnace and have been re-wired and/or re-plumbed in the entire house. These homes must be insured to within 80% of replacement cost at all times. Replacement cost coverage is available on the Dwelling and Household Personal Property at no additional charge.
Homes that are older and do not have replacement cost on the home. Replacement cost coverage is available on the Household Personal Property for an additional charge.
This type of dwelling is offered for residences with up to four apartments in them. The houses are paid at an Actual Cash Value amount in the event of a covered loss. Replacement cost coverage is NOT available on this type of risk.
Tenant Home Guard (Renters Insurance):
This is a policy that covers your personal property for those that are renting an apartment, home, or mobile home. Replacement cost coverage is available at an additional charge.
Mobile Home policies are available. This type of policy does NOT offer replacement cost on the Mobile Home, but replacement cost coverage is available for Household Personal Property at an additional charge.