Our standard fire and lightning policy is our basic insurance policy.
The properly endorsed standard fire policy can provide protection from a covered loss for many different types of properties. Items can range from dwellings, mobile homes, garages and mountain cabins.
We also write this policy on homes in the process of new construction (Builders Risk).
The Standard Fire policy provides coverage for losses due to these specific causes of loss:
Riot or Civil Commotion
If the structure qualifies, coverage for losses due to these additional specific causes of loss can also be provided:
Weight of Ice, Sleet, Snow
Bursting of Steam or Hot Water System
Accidental Discharge of Water
Optional supplemental coverages you may add for your own specific needs include:
Identity Recovery and Fraud Coverage (Brochure) - this coverage is available for owner occupied homes only.