Home Insurance
Constitutional Casualty Company’s Homeowner-Condominium-Renters Policy provides insurance for all these named perils:
- Personal and Family Liability
- Theft
- Fire and Lightning
- Smoke
- Vandalism
- Riot and Civil Disorder
- Glass Breakage
- Wind and Hail
- Rupture of Hot Water System
- Weight of Ice and Snow
- Explosion
- Falling Objects
- Damage from Vehicles or Aircraft
- Freeze Damage to Plumbing
- Electrical Damage to Plumbing
- Electrical Damage to Appliances
All Risk Dwelling and Contents coverage is available for Homes and Condominiums which also provides increased Special Limits of Liability.
You can add the following coverages to your policy to obtain broader coverage:
REPLACEMENT COST CONTENTS
This simply means there is no depreciation due to the age or condition of your property. If an insured loss occurs and you replace your personal property, you will be paid the full amount of the item (less your deductible).
INCREASED LIMITS OF LIABILITY
You might need more coverage than provided in the basic policy. If so, you can increase the coverage to protect yourself.
SCHEDULED PROPERTY
Protect your most valuable property against all types of accidents and eliminate your deductible. The following items can be scheduled:
- Jewelry
- Furs
- Fine art
- Cameras
- Guns
- Musical instruments
- Silverware
- Stamps and coins
- Golfer’s equipment
- Miscellaneous
HOME REPLACEMENT GUARANTEE
The standard homeowner policy will pay for repair or rebuilding your home up to policy limits. This coverage will replace your home even if the cost is greater than the policy limit, subject to policy limitations.
CREDITS
Account credit
Available when we write your automobile.
Deductible credit
Credits available for increased deductibles.
Alarm credit
Various credits available, depending on the system.
Retired Homeowner credit
Loss free credit (Available for HO-2, HO-3, HO-6)
New home credit (Available for HO-2, HO-3)
DWELLING FIRE
Constitutional Casualty Company’s Dwelling Fire policy is based on the 1988 Edition of ISO’s Dwelling Policy Program offering DP-3 coverage, with competitive rates. Optional coverages available include contents, permitted incidental occupancies, premises liability, theft.
EASY PAYMENT PLANS
Below are PDF files of our easy payment plans
