Protect Your Home with the Home-Guard® Policy

The Home-Guard® policy provides outstanding protection for your most important asset — your home.

The policy offers a variety of coverage to protect your dwelling and personal property. It also offers protection against possible financial disaster from accidents or injuries occurring on your property or from your personal acts.

Property Coverage


  • The dwelling located on the described premises
  • Construction materials at the premises for use with your dwelling

Other Structures

  • Other structures located on the premises
  • Construction materials at the premises for use with other structures
  • Privacy or decorative fences

Personal Property

  • Personal property located at the premises
  • Automatic coverage for personal property temporarily away from premises

Additional Living Expenses and Loss of Rents

  • Covers the increase in your living expenses while your property is being repaired or replaced
  • Covers the loss of rents you might incur while the rented portion of the premises is unfit to occupy

Additional Coverage

  • Debris Removal
  • Emergency Removal of Property
  • Necessary Repairs After Loss
  • Trees, Shrubs and Plants
  • Refrigerated Products ($250 Included)
  • Outside Radio/Television Equipment and Satellite Dishes
  • Credit Card
  • Loss Assessment
  • Collapse
  • Grave Markers

Home-Guard Select

If your home qualifies, you will be eligible for the expanded coverage offered by the Home-Guard® Select policy. Additional coverage includes:

  • Open perils coverage for the dwelling
  • Increased limits on additional coverage
  • Increased limits on certain items of household personal property
  • Replacement cost for the dwelling and household personal property

Optional Property Coverage

  • Equipment Breakdown, including damaged sewer lines
  • Farm/Household Operations Records
  • Earthquake
  • Condominium Unit Owners
  • Scheduled Personal Property
  • Refrigerated Products
  • Replacement Cost for Household Personal Property
  • Water Backup (Up to $25000)

Personal Liability Protection

Public Liability

Coverage for claims made against an insured person for bodily injury or property damage arising from accidents or injuries occurring on the premises for which the insured becomes legally obligated to pay due to personal acts

Medical Payments

Provides coverage for medical expenses that arise from accidents or injuries occurring on the insured premises

Damage to Property of Others

Covers property damage to property of others which you borrow or use

Optional Property Coverage

  • Incidental Business Activities
  • Business Pursuits
  • Home Day Care Provider
  • Incidental Agricultural Activities
  • Contractual Liability
  • Waterbed
  • Additional Insured
  • Additional Premises

This information provides a basic description of the insurance provided for this product. These summarized coverage descriptions are intended for reference and don't include policy conditions, exclusions, or limitations. For a complete description of the policy features consult your agent.