Pictou Mutual Insurance Company - prod residential

By: Pictou Mutual Insurance  09-12-2011
Keywords: Personal Legal Liability

Insurance Policies
Homeowners’ Comprehensive Policy
Simply the best product available to cover your home, outbuildings and contents. This policy covers loss or damage to both buildings and their contents from all perils except those that are specifically excluded within the policy. With this policy you also obtain insurance coverage should you incur alternative living expenses in the event that an insured peril results in you being unable to live in your home while it is being repaired. Also included with this coverage is personal legal liability up to $1,000,000 with the option of purchasing additional coverage up to $2,000,000. Homeowners’ Broad Policy
This policy is identical to our Comprehensive Policy with the sole exception being that personal contents are covered against named or specified perils as opposed to all risks. The named perils include such risks as fire, smoke, water damage, wind damage, theft, vandalism, power surges, etc. Just like the Comprehensive Policy, additional living expenses and personal legal liability is also included with this policy form.Homeowners’ Standard Policy
This Policy is similar to both the Comprehensive and Broad Policies except that buildings and contents are both covered against named or specified perils as opposed to all risks. Unlike the other policies, this policy does not provide inclusive coverage for outbuildings or additional living expenses. This type of policy coverage is available to primary dwellings, outbuildings of all sorts as well as seasonal and rental buildings.Homeowners’ Fire Policy
The simplest and most affordable policy for nearly every type of building and contents, the Fire-only policy covers loss or damage to buildings and/or contents caused by fire. Tenant’s Packages
This policy covers loss or damage to tenant’s contents up to a maximum of $50,000 as well as coverage for additional living expenses should an insured peril require you to temporarily live in alternative premises while your rental dwelling is being repaired. Also covered is your personal legal liability up to $1,000,000.Coverage
Item   StandardBroadComprehensive
Building   Named perilsAll riskAll risk
Detached private structures Named perils All risk  All risk
ContentsNamed perilsNamed perilsAll risk

The information in this article was current at 06 Dec 2011

Keywords: Personal Legal Liability

Contact Pictou Mutual Insurance


Print this page

Other products and services from Pictou Mutual Insurance


Pictou Mutual Insurance Company - serv claims

Within our office are three highly trained and educated staff adjusters with more than sixty years of combined field experience in claims assessment and handling. Your Insurance Policy is nothing less than a “promise to pay” in the event of a claim that occurs within the terms of your policy. Should a claim arise we guarantee you the highest-quality claims service available.