As a
homeowner, you know you can't afford to be without homeowners
insurance. N.C. Grange Mutual offers several levels of
homeowners protection that can protect both your home and its
contents. Regardless of which homeowners insurance fits your
specific needs, N.C. Grange Mutual products are among the
best. We take pride in our high quality, competitively priced
policies which provide the coverage you and your family need.
The different plans available may not offer all the coverages
shown below. Please see your local agent for
help in determining your insurance needs and the plans and
coverages available to you.
Plans
Available:
• HO3 - for the newer or
substantially updated home
• HO2 - for the
well-maintained home regardless of age
• HO8 - for the
well-maintained home whose market value is substantially less
than replacement value - usually older homes or homes with
unusual features
The
Homeowners Policies provide protection from multiple perils
for both physical damage and liability. These "package type"
policies offer various types of coverage under one
policy.
The
Standard Coverage includes:
Coverage A
- Dwelling
Coverage B - Other Structures
Coverage C -
Personal Property
Coverage D - Loss of Use
Coverage E -
Personal Liability
Coverage F - Medical Payments to
Others
What
these standard coverages protect:
• Your home and attached
garage
• Unattached garage and
outbuildings, such as a utility shed, used to service the main
dwelling
• Your personal property
such as furniture, clothing and appliances
• Additional living
expenses, over your usual expenses, when your home is
uninhabitable because of a covered loss
• Liability arising from
lawsuits for bodily injury or property damage as well as the
cost of legal defense
• Medical payments which
may be necessary because of injuries suffered by others,
either on your premises or by your actions
In
addition, the policy also covers:
• Debris removal after a
loss has occurred
• Reasonable repair costs
to protect from further damage after a loss has occurred
•
Trees, shrubs and
plants
• Fire Department Service
Charges
• Credit Card, Fund
Transfer Card, Forgery, and Counterfeit Money - $500
limit
• Loss Assessment - up to
$1000
• Collapse
• Damage to property of
others
Optional Coverages include:
• Replacement Cost for
Personal Property
• Structures Rented to
Others
• Incidental Business
Liability
• Credit Card and
Depositors Forgery - increased limits
• Earthquake
• Scheduled Personal
Property - jewelry, furs, guns, golf clubs, personal
computers, etc.
• Additional Residence
Liability
• Watercraft Liability for
most boats
• Watercraft Physical
Damage for most boats
• Personal Injury
• Satellite Dish
...
and more
You
could possibly qualify for premium credits such
as:
Protection
Device Credits
Preferred Risk Credit
Coverage Amount
Credit
Age of Dwelling Credit
Higher Deductible
Credit
What
property perils are covered?
Fire and
Lightning
Windstorms and
Tornados
Hail
Explosions
Strikes and
Riots
Aircraft
Vehicle
damage
Smoke
Vandalism
Theft
Glass
breakage
Falling trees
Weight of ice and snow
Sudden
water damage
Freezing of plumbing
Electrical damage to
appliances due to surges
Any peril not specifically
excluded - HO3 Plan only
NOTE: Some Coverages or discounts may not apply
depending on the plan. Some exclusions and limitations may
apply. Please see an agent near you for
assistance in determining your insurance needs and the plans
and coverages available to you.
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