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  1. 1. Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting QUIT
  2. 2. Liability and Medical Payments coverage included: <ul><li>Medical expenses </li></ul><ul><li>Cost of defense </li></ul><ul><li>Property damage </li></ul><ul><ul><li>Legal Liability (for property of others) </li></ul></ul><ul><ul><li>Moral Obligation (when not legally liable) </li></ul></ul><ul><li>Residential bodily injury </li></ul><ul><ul><li>To others </li></ul></ul><ul><li>Non-residential bodily injury </li></ul><ul><ul><li>To others (coverage anywhere in the world) </li></ul></ul>Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting HOME QUIT No deductible applies
  3. 3. <ul><li>Liability Limits: </li></ul><ul><li>$100,000 </li></ul><ul><li>$200,000 </li></ul><ul><li>$300,000 </li></ul><ul><li>$500,000 </li></ul><ul><li>$1,000,000 </li></ul><ul><li>Medical Limits: </li></ul><ul><li>$1,000 </li></ul><ul><li>$2,000 </li></ul><ul><li>$5,000 </li></ul><ul><li>$10,000 </li></ul><ul><li>$25,000 </li></ul>HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting
  4. 4. Optional Liability Coverage <ul><li>Farm land rented to others* </li></ul><ul><li>In-home business </li></ul><ul><ul><li>Maintenance work, sale of household products, or barber/beauty shops </li></ul></ul><ul><li>Personal Injury </li></ul><ul><ul><li>Protects you against losses resulting from libel, slander, wrongful eviction and violation of privacy </li></ul></ul><ul><li>Recreational motor vehicles </li></ul><ul><li>Watercraft* </li></ul><ul><li>Rental dwellings </li></ul><ul><li>Umbrella Liability Insurance Policy </li></ul><ul><ul><li>$1 million or more of additional coverage is available </li></ul></ul>HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting At additional cost. *Varies by state.
  5. 5. Three Property Options: <ul><li>Broad Form </li></ul><ul><li>Risk of Direct Physical Loss </li></ul><ul><li>Combination </li></ul>Other Property Coverage Special Coverages HOME QUIT Subject to deductible Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting
  6. 6. Broad Form Provides coverage for losses caused by the following perils: <ul><li>Fire or lightning </li></ul><ul><li>Removal of property </li></ul><ul><li>Windstorm or hail </li></ul><ul><li>Explosion </li></ul><ul><li>Riot or civil commotion </li></ul><ul><li>Aircraft </li></ul><ul><li>Vandalism and malicious mischief </li></ul><ul><li>Theft </li></ul><ul><li>Smoke </li></ul><ul><li>Vehicles </li></ul><ul><li>Glass breakage </li></ul><ul><li>Falling objects </li></ul><ul><li>Weight of ice, snow or sleet </li></ul><ul><li>Volcanic eruption </li></ul><ul><li>Sudden and accidental tearing apart </li></ul><ul><ul><li>Within heating or air conditioning system </li></ul></ul><ul><li>Freezing of plumbing </li></ul><ul><li>Electrical damage </li></ul><ul><li>Accidental discharge or overflow </li></ul><ul><ul><li>Within plumbing, heating or air conditioning system </li></ul></ul>HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting
  7. 7. Risk of Direct Physical Loss <ul><li>Protects from all causes except those specifically excluded. </li></ul><ul><li>Provides Broad Form coverage plus losses such as: </li></ul><ul><ul><li>Breakage of antiques </li></ul></ul><ul><ul><li>Breakage of bathroom fixtures </li></ul></ul><ul><ul><li>Countertop burns </li></ul></ul><ul><ul><li>Accidental paint spillage </li></ul></ul><ul><ul><li>Power surge damage to applicances </li></ul></ul><ul><ul><li>Ice damming </li></ul></ul>HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting
  8. 8. Combination <ul><li>Risk of Direct Physical Loss coverage on your home </li></ul><ul><li>Broad Form coverage on your personal property. </li></ul>HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting
  9. 9. Limitations <ul><li>Money and other forms of currency up to $200 </li></ul><ul><li>Securities, deeds and other personal papers up to $1,500 </li></ul><ul><li>Jewelry, watches and furs up to $1,500 </li></ul><ul><li>Firearms and related equipment up to $2,500 </li></ul><ul><li>Silverware, goldware and pewterware up to $2,500 </li></ul><ul><li>Electronic data processing equipment up to $5,000 </li></ul><ul><li>Watercraft, trailers and campers up to $1,500 </li></ul><ul><li>Recreational motor vehicles up to $500 </li></ul><ul><li>Property used in business (on residential premises) up to $2,500 </li></ul><ul><li>Property used in business (off residential premises) up to $500 </li></ul>HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting
  10. 10. Other Property Coverage If you qualify, you are given these extra coverages at no charge <ul><li>Additional living expenses </li></ul><ul><ul><li>When your home is uninhabitable </li></ul></ul><ul><li>Rental Value </li></ul><ul><ul><li>For lost rental income </li></ul></ul><ul><li>Auxiliary private structure </li></ul><ul><ul><li>Garage, fence, storage shed </li></ul></ul><ul><li>Reasonable repairs </li></ul><ul><ul><li>Your expense in making temporary repairs </li></ul></ul>HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting Deductible applies
  11. 11. Other Property Coverage (cont’d) If you qualify, you are given these extra coverages at no charge <ul><li>Lock coverage </li></ul><ul><ul><li>Replaces locks on exterior doors when the keys are stolen. No deductible. </li></ul></ul><ul><li>Collapse </li></ul><ul><li>Building ordinance coverage </li></ul><ul><li>Grave markers </li></ul>Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting Deductible applies, unless otherwise noted
  12. 12. Optional Home and Personal Property Coverage <ul><li>Sump Pump Failure and/or Back-up of Sewer or Drain </li></ul><ul><li>Earthquake Protection </li></ul><ul><li>Additional Replacement Cost </li></ul><ul><li>Inflation Protection </li></ul><ul><li>Mine Subsidence (IL only) </li></ul><ul><li>Replacement Cost Coverage on Personal Property </li></ul><ul><li>Physical Damage Coverage on Recreational Motor Vehicles </li></ul><ul><li>Physical Damage Coverage on Watercraft </li></ul><ul><li>Special Personal Property Increased Coverage </li></ul><ul><li>Loss Assessments from a Homeowners or Condo Association </li></ul><ul><li>Flood Insurance through the National Flood Insurance Program </li></ul>HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting At additional cost
  13. 13. Optional Home and Personal Property Coverage (cont’d) <ul><li>Higher limits for: </li></ul><ul><li>Building ordinance coverage </li></ul><ul><li>Property subject to the “limitations” listed </li></ul><ul><li>Specific coverages within the Package of Special Coverages (exceptions apply) </li></ul>Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting At additional cost
  14. 14. Package of Special Coverages <ul><li>Trees, shrubs, plants & lawn </li></ul><ul><ul><li>Up to 5% of the dwelling value; $500 for any one tree, shrub or plant </li></ul></ul><ul><li>Debris removal </li></ul><ul><ul><li>Up to 5% of the damaged property </li></ul></ul><ul><li>Debris removal of trees </li></ul><ul><ul><li>Felled by wind that damage a covered structure or block the driveway; $500 limit </li></ul></ul>(No additional charge) Policy deductible applies to all coverages unless otherwise noted HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting
  15. 15. <ul><li>Refrigerated products </li></ul><ul><ul><li>Up to $500* on household items only; no deductible </li></ul></ul><ul><li>Credit card and forgery </li></ul><ul><ul><li>Up to $1,000*; no deductible </li></ul></ul><ul><li>Fire department service </li></ul><ul><ul><li>If charged, up to $500* (not available in AZ); no deductible </li></ul></ul>Package of Special Coverages (cont’d) Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting Policy deductible applies to all coverages unless otherwise noted *Higher Limits may be purchased
  16. 16. Premium Discounts* <ul><li>Alarm Credit </li></ul><ul><ul><li>If your home has: </li></ul></ul><ul><ul><ul><li>fire alarms </li></ul></ul></ul><ul><ul><ul><li>smoke detectors </li></ul></ul></ul><ul><ul><ul><li>fire extinguishers </li></ul></ul></ul><ul><li>Dwelling Age Discount </li></ul><ul><ul><li>The newer the home, the greater the discount </li></ul></ul><ul><li>Age of Wiring Discount </li></ul>*Availability and amount of discounts may vary by state HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting <ul><li>sprinklers </li></ul><ul><li>deadbolt locks </li></ul><ul><li>burglar alarm </li></ul>
  17. 17. Premium Discounts* (cont’d) <ul><li>Safe Heat Discount </li></ul><ul><ul><li>If no wood-burning stoves or fireplace inserts. </li></ul></ul><ul><li>Multi-Policy Discount </li></ul><ul><ul><li>If you purchase home insurance plus one of our qualifying auto, life or disability insurance policies. </li></ul></ul><ul><li>Roof Discount </li></ul><ul><ul><li>For certain hail-resistant roofing products offering a manufacturer’s warranty (only available in CO, KS, MO, OK). </li></ul></ul>*Availability and amount of discounts may vary by state HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting
  18. 18. <ul><li>$100 </li></ul><ul><li>$250 </li></ul><ul><li>$500 </li></ul><ul><li>$1,000 </li></ul><ul><li>$2,000 </li></ul><ul><li>$5,000 </li></ul><ul><li>$10,000 </li></ul>Choice of Deductibles HOME QUIT Where the deductible applies, this is the amount you would pay before the policy pays for a loss: Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting
  19. 19. Convenient Claim Reporting <ul><li>Toll-free COUNTRY Helpline® at (800)846-0100, </li></ul><ul><li>24 hours a day, seven days a week. </li></ul>HOME QUIT Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting
  20. 20. <ul><li>This presentation highlights the home insurance policy issued by COUNTRY Mutual Insurance Company ® or COUNTRY Casualty Insurance Company ® and is not an offer of insurance or a statement of contract. The policy, if issued, will set forth the rights and obligations of you and the issuing company. For a complete description of the policy provisions, exclusions, and limitations, please refer to the policy. </li></ul>Liability and Medical Payments Property Premium Discounts Choice of Deductibles Convenient Claim Reporting

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