The 21st Century Homeowners Insurance Program makes
buying home insurance an easy, rewarding process. We offer
a unique blend of comprehensive protection and responsive service
by dealing directly with homeowners. Based upon your needs and priorities,
we can make sure you get the best coverage for your insurance dollar.
Select your basic
We make it easy to find just the right policy. We start with our
basic innovative plans like DirectGold and DirectPlatinum
and tailor them just for you. You tell our experts what you want
to replace and they'll recommend the right amount of coverage in
every area -- from your home to your personal belongings to protecting
you against personal liability. If you're renting a home or condominium,
we can insure your belongings against damage and theft.
A standard 21st Century Homeowners
Insurance Program policy protects you against fire, lightning,
wind, storms, hail, explosions, riots, aircraft wrecks, vehicle
crashes, smoke, vandalism, theft, breaking glass, falling objects,
weight of snow or sleet, collapsing buildings, freezing of plumbing
fixtures, electrical damage and water damage from plumbing, heating
or air conditioning systems.
However a standard policy does not
protect you against flood, earthquake, nuclear accident and