Coverage options for properties include
- Building and foundation
- Electrical and plumbing systems
- Central air conditioning equipment, furnaces, and water heaters
- Refrigerators, stoves, and built-in appliances such as dishwashers
- Permanently-installed carpeting over unfinished flooring
- Window blinds
- Detached garages, up to 10% of building property coverage
Coverage options for contents include
- Personal belongings, such as clothing, furniture, and electronic equipment
- Curtains
- Portable air conditioners
- Portable microwave ovens and portable dishwashers
- Carpets not permanently installed over unfinished flooring
- Washers and dryers
- Freezers and food contents
- Valuable items such as original artwork and furs, up to $2,500
- Replacement cost coverage is not available for personal property
