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Homeowners Coverages

COVERAGES DIRECT PLATINUM DIRECT GOLD
Home Replacement Cost Guarantee   Up to policy limits or other loss settlement clause   Up to policy limits or other loss settlement clause
Personal Property Replacement Cost   Included   Optional
Personal Property (contents) - % of Dwelling Coverage   50%   50%
Additional Living Expenses - % of Dwelling Coverage   20% (No Time Limit)   20% (No Time Limit)
Building Structures Not Attached - % of Dwelling Coverage   10%   10%
Personal Injury Liability   Optional   Optional
Business Property Off Premises   $250   $250
Business Property On Premises   $2,500   $2,500
Computers   Included for certain perils   Included for certain perils
Debris Removal   Included with certain limits   Included with certain limits
Fire Department Service Charges   $500   $500
Manuscripts   $1,000   $1,000
Money, Etc.   $200   $200
Refrigerated Property (up to $500)   Included   Included
Theft of Firearms   $2,000*   $2,000
Theft of Jewelry, Furs, Watches   $1,000*   $1,000
Theft of Silverware and Goldware   $2,500*   $2,500
Trees, Plant, Shrubs (up to $500 each)   5% of Dwelling Coverage   5% of Dwelling Coverage
Watercraft and Trailers   $1,000   $1,000

* Includes loss by misplacing or losing

Optional Coverages Available DIRECT PLATINUM DIRECT GOLD
Additional Coverage for Jewelry, Watches and Furs   Yes   Yes
Additional Coverage for Cameras, and Musical Instruments   Yes   Yes
Additional Money and Securities Coverage   Yes   Yes
Business Personal Property   Yes   Yes
Special Computer Coverage (additional perils protection)   Yes   Yes
 
Optional Endorsements Available    
Coverage for Liability Arising from Domestic Employees   Yes   Yes
Earthquake Coverage   Yes   Yes
Windstorm and Hail Deductible   No   No

Coverage information is intended to be a summary and does not supplement or replace specific language of the insurance contract.

 


 


*21st Century is not affiliated with Homesite Insurance. The 21st Century Homeowners Insurance Program is underwritten by member companies of the Homesite Insurance group, a leading provider of homeowners, renters and condominium insurance. Member companies include: Homesite Insurance Company, Homesite Indemnity Company, Homesite Insurance Company of California, Homesite Insurance Company of Florida, Homesite Insurance Company of Illinois, Homesite Insurance Company of the Midwest, Homesite Insurance Company of New York, Homesite Insurance Company of Pennsylvania, and Homesite Lloyd's of Texas.
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