• Comprehensive list of causes of loss
• Replacement cost settlement – Losses are settled at the replacement cost, up to the policy limit. There is no depreciation deduction.
• Loss of rent – Lost rental income is reimbursed if a covered peril causes sufficient damage that the tenant needs to move out and is no longer paying rent.
• Vandalism – Physical damage or defacement of the home is covered
• Additional coverage for:
  • reasonable expenses for emergency repairs
  • other structures on the property
  • debris removal
  • fire department service charge
  • collapse
  • water and mold
  • improvements and alterations
  • trees, shrubs, lawn

• Short-term rental permission – Rental terms less than three months, which are common in resort areas, can be accepted.
• Occasional rental – With this option a seasonal home can be rented to others for a short period of time when not in use.
• Short-term vacancy permission – A property between renters or undergoing renovations will be vacant for a few weeks or months. Adding the vacancy permission coverage keeps the property protected without the hassles of rewriting the policy.
• Premises liability – Add protection for an injury occurring to someone while on the premises. The option does not cover a tenant’s actions.
• Personal property – Add coverage for items such as furnishings, appliances, linens and the like, owned by the landlord and kept in their rental property, or owned by the seasonal home owner.
• Limited burglary – If a forced entry leaves signs of visible damage (for example a broken window or jimmied door) we will cover the theft of personal items or permanently attached items such as a heat pump or even copper piping.

AMsuite only:
Water damage – increase from 10% to up to 100% Coverage A
Theft
Premises Liability (covers a property manager / can add landlord personal injury if a rental)
Service Line
And multitude of available discounts