Erie and Niagara Insurance Association - Products


Products: Homeowners

Our Homeowners policy can be tailored to meet your needs.


Basic Form ML-1 Provides Coverage For The Following Perils:
Fire and lightning Windstorm Hail Smoke Explosion Riot or civil commotion Vehicles	Aircraft Vandalism and malicious mischief Theft from premises Theft away from premises Glass breakage Comprehensive personal liability
Broad Form ML-2 All Basic Form Perils Plus Additional Perils:
Falling objects (exterior of building must be damaged for interior coverage) Weight of ice or snow (not water back-up or seepage) Collapse of building(s) - not settling, cracking, shrinkage, bulging or expansion Sudden & accidental tearing apart, burning or bulging Accidental discharge or overflow of liquids or steam Damage from freezing of plumbing heating or air conditioning systems or domestic appliances Sudden and accidental damage from artificially generated electrical current to electrical appliances, devices, fixtures and wiring except tubes, transformers and similar electronic components
Special Form ML-3
RESIDENCE The residence and related private structures are covered against any damage, EXCEPT from those perils specifically excluded. PERSONAL PROPERTY Unscheduled personal property is protected against the perils listed previously. There are special limitations on certain property in the policy. Special Limitations on certain property are money, $100; securities, $500; unscheduled jewelry, $500; guns, $1,000; watercraft, $500; silverware, $1,000; motorized vehicles, $5,000; and when used exclusively to service insured premises: business property, $500; dismounted camper bodies and trailers, $500. Coverage for these items may be increased by endorsement or by floater schedules. Loss by theft

The Policy Can Also Provide Coverage For:	Seasonal Homeowners:
Replacement value on personal property Higher limits on personal property Watercraft Additional living expenses Increased coverage on private structures Increased amounts on classes of personal property that have special limitations Specifically scheduled property Higher liability limits Farm liability exposures	10% surcharge over standard rate if primary dwelling is not insured with Erie and Niagara Personal Property and liability coverage is limited to the seasonal premise only
	Deductible Options:
	The standard deductible presently in use is $250. Higher deductibles are available. The higher deductible chosen, the greater the premium savings will be.
Contact an agent near you for a price quote. This web page provides a summary of coverages and is not a statement of contract. All exclusions and limitations found in the policy contract apply.
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