- 1. Liability and Medical Payments Property Premium Discounts
Choice of Deductibles Convenient Claim Reporting QUIT
2. Liability and Medical Payments coverage included:
-
- Legal Liability (for property of others)
-
- Moral Obligation (when not legally liable)
- Residential bodily injury
- Non-residential bodily injury
-
- To others (coverage anywhere in the world)
Liability and Medical Payments Property Premium Discounts Choice
of Deductibles Convenient Claim Reporting HOME QUIT No deductible
applies 3.
HOME QUIT Liability and Medical Payments Property Premium
Discounts Choice of Deductibles Convenient Claim Reporting 4.
Optional Liability Coverage
- Farm land rented to others*
-
- Maintenance work, sale of household products, or barber/beauty
shops
-
- Protects you against losses resulting from libel, slander,
wrongful eviction and violation of privacy
- Recreational motor vehicles
- Umbrella Liability Insurance Policy
-
- $1 million or more of additional coverage is available
HOME QUIT Liability and Medical Payments Property Premium
Discounts Choice of Deductibles Convenient Claim Reporting At
additional cost. *Varies by state. 5. Three Property Options:
- Risk of Direct Physical Loss
Other Property Coverage Special Coverages HOME QUIT Subject to
deductible Liability and Medical Payments Property Premium
Discounts Choice of Deductibles Convenient Claim Reporting 6. Broad
Form Provides coverage for losses caused by the following
perils:
- Vandalism and malicious mischief
- Weight of ice, snow or sleet
- Sudden and accidental tearing apart
-
- Within heating or air conditioning system
- Accidental discharge or overflow
-
- Within plumbing, heating or air conditioning system
HOME QUIT Liability and Medical Payments Property Premium
Discounts Choice of Deductibles Convenient Claim Reporting 7. Risk
of Direct Physical Loss
- Protects from all causes except those specifically
excluded.
- Provides Broad Form coverage plus losses such as:
-
- Breakage of bathroom fixtures
-
- Accidental paint spillage
-
- Power surge damage to applicances
HOME QUIT Liability and Medical Payments Property Premium
Discounts Choice of Deductibles Convenient Claim Reporting 8.
Combination
- Risk of Direct Physical Loss coverage on your home
- Broad Form coverage on your personal property.
HOME QUIT Liability and Medical Payments Property Premium
Discounts Choice of Deductibles Convenient Claim Reporting 9.
Limitations
- Money and other forms of currency up to $200
- Securities, deeds and other personal papersup to $1,500
- Jewelry, watches and fursup to $1,500
- Firearms and related equipmentup to $2,500
- Silverware, goldware and pewterwareup to $2,500
- Electronic data processing equipmentup 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 Liability and Medical Payments Property Premium
Discounts Choice of Deductibles Convenient Claim Reporting 10.
Other Property Coverage If you qualify, you are given these extra
coverages at no charge
- Additional living expenses
-
- When your home is uninhabitable
- Auxiliary private structure
-
- Garage, fence, storage shed
-
- Your expense in making temporary repairs
HOME QUIT Liability and Medical Payments Property Premium
Discounts Choice of Deductibles Convenient Claim Reporting
Deductible applies 11. Other Property Coverage (contd) If you
qualify, you are given these extra coverages at no charge
-
- Replaces locks on exterior doors when the keys are stolen.No
deductible.
- Building ordinance coverage
Liability and Medical Payments Property Premium Discounts Choice
of Deductibles Convenient Claim Reporting Deductible applies,
unless otherwise noted 12. Optional Home and Personal Property
Coverage
- Sump Pump Failure and/or Back-up of Sewer or Drain
- Additional Replacement Cost
- Mine Subsidence (IL only)
- Replacement Cost Coverage on Personal Property
- Physical Damage Coverage on Recreational Motor Vehicles
- Physical Damage Coverage on Watercraft
- Special Personal Property Increased Coverage
- Loss Assessments from a Homeowners or Condo Association
- Flood Insurance through the National Flood Insurance
Program
HOME QUIT Liability and Medical Payments Property Premium
Discounts Choice of Deductibles Convenient Claim Reporting At
additional cost 13. Optional Home and Personal Property Coverage
(contd)
- Building ordinance coverage
- Property subject to the limitations listed
- Specific coverages within the Package of Special Coverages
(exceptions apply)
Liability and Medical Payments Property Premium Discounts Choice
of Deductibles Convenient Claim Reporting At additional cost 14.
Package of Special Coverages
- Trees, shrubs, plants & lawn
-
- Up to 5% of the dwelling value; $500 for any one tree, shrub or
plant
-
- Up to 5% of the damaged property
-
- Felled by wind that damage a covered structure or block the
driveway; $500 limit
(No additional charge) Policy deductible applies to all
coverages unless otherwise noted HOME QUIT Liability and Medical
Payments Property Premium Discounts Choice of Deductibles
Convenient Claim Reporting 15.
-
- Up to $500* on household items only; no deductible
-
- Up to $1,000*; no deductible
-
- If charged, up to $500* (not available in AZ); no
deductible
Package of Special Coverages (contd) Liability and Medical
Payments Property Premium Discounts Choice of Deductibles
Convenient Claim Reporting Policy deductible applies to all
coverages unless otherwise noted *Higher Limits may be purchased
16. Premium Discounts*
-
- The newer the home, the greater the discount
*Availability and amount of discounts may vary by state HOME
QUIT Liability and Medical Payments Property Premium Discounts
Choice of Deductibles Convenient Claim Reporting
17. Premium Discounts* (contd)
-
- If no wood-burning stoves or fireplace inserts.
-
- If you purchase home insurance plus one of our qualifying auto,
life or disability insurance policies.
-
- For certain hail-resistant roofing products offering a
manufacturers warranty (only available in CO, KS, MO, OK).
*Availability and amount of discounts may vary by state HOME
QUIT Liability and Medical Payments Property Premium Discounts
Choice of Deductibles Convenient Claim Reporting 18.
Choice of Deductibles HOME QUIT Where the deductible applies,
this is the amount you would pay before the policy pays for a loss:
Liability and Medical Payments Property Premium Discounts Choice of
Deductibles Convenient Claim Reporting 19. Convenient Claim
Reporting
- Toll-free COUNTRY Helpline at (800)846-0100,
- 24 hours a day, seven days a week.
HOME QUIT Liability and Medical Payments Property Premium
Discounts Choice of Deductibles Convenient Claim Reporting 20.
- 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.
Liability and Medical Payments Property Premium Discounts Choice
of Deductibles Convenient Claim Reporting