Coverage Descriptions

Dwelling – The policy pays for damage to the structure of your home caused by many perils including, but not limited to, fire and lightning, windstorm or hail, explosion, aircraft or vehicle damage, smoke, vandalism, burglary, and certain types of water losses. Common exclusions include flood, earthquake, and normal wear and tear.

Other Structures – This coverage insures detached buildings on your property, such as a detached garage, shed, or child's playhouse. Structures used for business purposes are not covered.

Personal Property – The policy provides worldwide protection for your personal belongings. It includes coverage for furniture, appliances, clothing, and other household goods. Some items (such as jewelry, furs, guns, silverware, computers, and business equipment) have special limitations. Additional coverage may be purchased for those types of items.

Loss of Use – The policy pays the necessary increase in living expenses while your home is unlivable due to a covered event.

Personal Liability – This coverage protects against events for which you are liable resulting from bodily injury or property damage suffered by others.

Medical Payments to Others – This coverage pays medical expenses to guests injured on your property, even though you are not legally responsible for the injury.

Replacement Cost Coverage – With PEMCO's Replacement Cost Coverage, your belongings are covered for the same amount you'd pay for them today. You can get this protection whether you're a homeowner, condominium owner, mobilehome owner, or renter.

All coverages are subject to policy terms, conditions, and exclusions.