CCI Option 1
CCI Option 2
Dwelling (Cov A)
Repairs/Rebuilds your home under all covered perils. Coverage begins after chosen deductible.
Separate Structures (Cov B)
Repairs/Rebuilds your detached structures under all covered perils. Coverage begins after chosen deductible.
10% of RCE
Personal Property (Cov C)
Restores/Replaces your personal property if damaged or stolen due to a covered peril. Coverage begins after chosen deductible.
50-75% of RCE
Loss of Use (Cov D)
Supplements living expenses if you cannot live in your home due to a covered peril. Coverage begins after chosen deductible.
Personal Liability (Cov E)
Pays for judgments against you, or legal fees to defend against a judgement . Deductible does not apply.
Equal to suable assets
Guest Medical (Cov F)
Paid medical expenses incurred by guests, up to the limits of the policy.
Pays to bring your home to code during reconstruction due to covered loss.
Additional dwelling coverage for unexpected price fluctuations in parts/labor. Cov A must be 100% RCE
Pays to restore identity in the event of ID theft. Coverage begins after deductible
Sewer drain back up
Restores damage caused by sewer/drain back up. Coverage begins after chosen deductible.
Loss Assessment (HO6)
Pays for assessments incurred by HOA tied to covered a peril. Coverage begins after chosen deductible.
Financial responsibility of the insured.
Financial responsibility of the insured., specific to Wind/Hail losses.
12 Month rate
Pays for expenses incurred by the non at fault party regarding pain and suffering; Lost Wages; Medical. It also pays for your legal fees. Coverage stop when policy limits are met
Pays for the repair of damage property belonging to the not at fault party. Coverage stops when policy limits are met
Pays your expense pertaining to pain and suffering; lost wages; medical; legal fees when the other party has too little or no Bodily injury coverage. Coverage stops when policy limits are met
Pays for your vehicle medical expenses, per person regardless of fault. This also covers funeral expenses, Coverage stops when policy limits are met
Pays to repair/replace your vehicle, in the event of theft, vandalism, acts of nature, minus chosen deductible. Flood waters are not covered
Replaces windshield if crack is larger than a dollar bill, minus the deductible, Subject to comprehensive deductible if not chosen or available
Pays to repair /replace your vehicle in the event of a collision minus chosen deductible
Pays to repair your vehicle if an uninsured or under insured driver collides with your vehicle. Also applies in hit/run situation. Coverage starts after your deductible
Pays to tow you to a safe location or conduct minor repairs to get your back on the road
Loss of use
Pays you cash per day, for 30 days to rent a vehicle if your covered vehicle in is in maintenance due to a comprehensive or collision situation
Pays the rental car company directly for 30 days f your covered vehicle in is in maintenance due to a comprehensive or collision situation