home insurance

Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting

QUIT

Liability and Medical Paymentscoverage included:• Medical expenses• Cost of defense• Property damage

– Legal Liability (for property of others)– Moral Obligation (when not legally liable)

• Residential bodily injury– To others

• Non-residential bodily injury– To others (coverage anywhere in the world)


HOME QUIT

No deductible applies

Liability Limits:• $100,000• $200,000• $300,000• $500,000• $1,000,000

Medical Limits:• $1,000• $2,000• $5,000• $10,000• $25,000

HOME QUIT


Optional Liability Coverage

• Farm land rented to others*• In-home business

– Maintenance work, sale of household products, or barber/beauty shops• Personal Injury

– Protects you against losses resulting from libel, slander, wrongful eviction and violation of privacy

• Recreational motor vehicles• Watercraft*• Rental dwellings• Umbrella Liability Insurance Policy

– $1 million or more of additional coverage is available

HOME QUIT


At additional cost. *Varies by state.

Three Property Options:

• Broad Form• Risk of Direct Physical Loss• Combination

Other Property Coverage

Special Coverages

HOME QUIT

Subject to deductible


Broad FormProvides coverage for losses caused by the following perils:

• Fire or lightning• Removal of property• Windstorm or hail• Explosion• Riot or civil commotion• Aircraft• Vandalism and

malicious mischief• Theft• Smoke• Vehicles• Glass breakage

• Falling objects• Weight of ice, snow or sleet• Volcanic eruption• Sudden and accidental

tearing apart– Within heating or

air conditioning system• Freezing of plumbing• Electrical damage• Accidental discharge

or overflow– Within plumbing, heating or

air conditioning system

HOME QUIT


Risk of Direct Physical Loss

• Protects from all causes except those specifically excluded.

• Provides Broad Form coverage plus losses such as:– Breakage of antiques– Breakage of bathroom fixtures– Countertop burns– Accidental paint spillage– Power surge damage to applicances– Ice damming

HOME QUIT


Combination

• Risk of Direct Physical Loss coverage on your home• Broad Form coverage on your personal property.

HOME QUIT


Limitations• Money and other forms of currency up to $200• Securities, deeds and other personal papers up to $1,500• Jewelry, watches and furs up to $1,500• Firearms and related equipment up to $2,500• Silverware, goldware and pewterware up to $2,500• Electronic data processing equipment up to $5,000• Watercraft, trailers and campers up to $1,500• Recreational motor vehicles up to $500• Property used in business (on residential premises) up to $2,500• Property used in business (off residential premises) up to $500

HOME QUIT


Other Property CoverageIf you qualify, you are given these extra coverages at no charge

• Additional living expenses– When your home is uninhabitable

• Rental Value– For lost rental income

• Auxiliary private structure– Garage, fence, storage shed

• Reasonable repairs– Your expense in making temporary repairs

HOME QUIT


Deductible applies

Other Property Coverage (cont’d)If you qualify, you are given these extra coverages at no charge

• Lock coverage– Replaces locks on exterior doors when the keys are

stolen. No deductible.• Collapse• Building ordinance coverage• Grave markers


Deductible applies, unless otherwise noted

Optional Home and Personal Property Coverage

• Sump Pump Failure and/or Back-up of Sewer or Drain

• Earthquake Protection• Additional Replacement CostAdditional Replacement Cost• Inflation Protection• Mine Subsidence (IL only)• Replacement Cost Coverage

on Personal Property• Physical Damage Coverage

on Recreational Motor Vehicles

• Physical Damage Coverageon Watercraft

• Special Personal Property Increased Coverage

• Loss Assessments from a Homeowners orCondo Association

• Flood Insurance through the National Flood Insurance Program

HOME QUIT


At additional cost

Optional Home and Personal Property Coverage (cont’d)

Higher limits for:• Building ordinance coverage• Property subject to the “limitations” listed• Specific coverages within the Package of Special

Coverages (exceptions apply)


At additional cost

Package of Special Coverages

• Trees, shrubs, plants & lawn– Up to 5% of the dwelling value; $500 for any one tree,

shrub or plant• Debris removal

– Up to 5% of the damaged property• Debris removal of trees

– Felled by wind that damage a covered structure orblock the driveway; $500 limit

(No additional charge)

Policy deductible applies to all coverages unless otherwise noted

HOME QUIT


• Refrigerated products– Up to $500* on household items only; no deductible

• Credit card and forgery– Up to $1,000*; no deductible

• Fire department service– If charged, up to $500* (not available in AZ);

no deductible

Package of Special Coverages (cont’d)


Policy deductible applies to all coverages unless otherwise noted

*Higher Limits may be purchased

Premium Discounts*

• Alarm Credit– If your home has:

• fire alarms• smoke detectors• fire extinguishers

• Dwelling Age Discount– The newer the home, the greater the discount

• Age of Wiring Discount

*Availability and amount of discountsmay vary by state

HOME QUIT


• sprinklers • deadbolt locks • burglar alarm

Premium Discounts* (cont’d)

• Safe Heat Discount– If no wood-burning stoves or fireplace inserts.

• Multi-Policy Discount– If you purchase home insurance plus one of our qualifying

auto, life or disability insurance policies.• Roof Discount

– For certain hail-resistant roofing products offering a manufacturer’s warranty (only available in CO, KS, MO, OK).

*Availability and amount of discountsmay vary by state

HOME QUIT


• $100• $250• $500• $1,000• $2,000• $5,000 • $10,000

HOME QUIT

Choice of DeductiblesWhere the deductible applies, this is the amount you would paybefore the policy pays for a loss:


Convenient Claim Reporting

Toll-free COUNTRY Helpline® at (800)846-0100, 24 hours a day, seven days a week.

HOME QUIT


This presentation highlights the home insurance policy issued by COUNTRY Mutual Insurance Company® or COUNTRY Casualty Insurance Company® and is not an offer of insurance or a statement of contract. The policy,if issued, will set forth the rights and obligations of you and the issuing company. For a complete description of the policy provisions, exclusions, and limitations, please refer to the policy.


Real people. Real answers. Real quick.®

Orazio G Difruscolo201 Houston St

Ste 120Batavia, IL 60510

(630) 879-2290

www.countryfinancial.com

HOMEHOME

Policies issued by COUNTRY Mutual Insurance Company® or COUNTRY Casualty Insurance Company ®

Bloomington, IL


home insurance

Documents