We Cover Your Home

Treating Your Home Like a Castle

home1Count on a Keystone National agent close to you to give you the royal treatment when it comes to protecting your home and possessions therein. It is very likely the most important investment in your life, one you have to take personally because it is so much a part of you and your family.

Certainly that is the case for those who own their homes, whether paying off a mortgage or enjoying outright ownership. For those who rent, there is also much to protect in the place they call home, as well as knowing they won’t be out in the cold in the event of loss or severe damage.

There are some 71 million people in this country who own their homes, according to 2010 Census data, and insurance protection is a necessity, if not a requirement. Roughly 70 percent of those homeowners are still making a monthly mortgage payment, at the same time paying for loss and liability protection.

And let’s not forget the millions of housing units occupied by renters. They, too, are paying for their living space, and, at the same time, need many of the same protections afforded to homeowners.  Keystone National provides coverage for people who rent their homes, whether they are houses, apartments or mobile homes, and protections provided renters include loss of personal property, medical coverage and personal liability.

Homes historically increase in value, making them a critical investment, and those prized possessions they contain accumulate over the years. Keystone National covers your home by offering varied choices in homeowners’ insurance.

Homeowners expect their insurance to provide coverage at an affordable price, knowing they’ll receive at least the financial equivalent of their home’s value in the wake of a devastating loss. You can ease the emotional hardship with coverage options like defraying living expenses and transitional housing for you and your family. Not all homeowners require the same level of coverage, and we understand that there are special considerations. For instance, rural homeowners in older homes have been traditionally underserved by insurers because of perceived risks. Because your local Keystone National agent understands your unique circumstances as a homeowner or renter, you can be assured of an informed approach and a fair risk assessment.

Our agents, working closely with some of the best underwriters in the business, will come up with a policy you can afford, at the same time allowing you to withstand loss, damage, theft or legal action. The key provisions in a Keystone National homeowners’ policy cover:

  • damage to your home
  • damage to other structures on your property
  • damage to personal property
  • additional living expenses

But it is more than the wording and numbers on the policy. It is also about the familiar face of one of our agents, working on your behalf to resolve claims fairly and efficiently. This proven formula, as well as a superior financial rating and reinsurance resources in the event of catastrophic loss, provide you with an arsenal of protection in the event of property loss and damage.

Aside from property coverage, homeowners need liability protection as a result of occurrences on the premises or from their actions. These covered causes of loss are known as perils and are listed for evaluation on the perils chart to help you ascertain expenses related to your home, non-farm structures and personal property. The chart offers side-by-side comparisons of the three basic forms. You can get more detailed answers to coverage questions from a local independent agent by using Find An Agent.

Other Options to Cover Your Home

Domiciles that fall outside the requirements of Keystone National’s standard homeowners’ policy may qualify instead for Dwelling Fire Insurance. Types of dwelling coverage typically written under this type of policy are:

  • owner-occupied units that don’t otherwise qualify
  • tenant-occupied homes and mobile homes
  • homes under construction
  • seasonal residences
  • vacant and unoccupied dwellings

 As is the case with homeowners’ insurance, the basic types of coverage result from damage to any of the following: the home, other structures on the property and to the personal property of the insured. The fourth type, in the event the dwelling is rendered unfit for use due to a covered peril, is for additional living costs or fair rental value.

Most Dwelling Fire Insurance coverage pertains to property loss and damage only, but personal liability may be added at additional cost to cover injury to individuals and damage to premises. This is supplemental coverage offered without regard for occupancy.

Check out the basic coverage comparisons on the perils chart, and if you require more information or service, contact your local agent through our Find An Agent service.

Protection for Mobile Homeowners

mobilehomesMobile homeowners too need property and liability coverage, representing a significant market for Keystone National. Just because your mobile home is not defined as a permanent structure doesn't make it less of a home. The proof for our discerning agents is home itself and the care it is given.

We look for pride of ownership in insuring quality mobile homes, and most policies offered include property and liability coverage regardless of the age of the home or the estimated cost of replacement. The types and amounts of coverage under Keystone National’s mobile homeowners’ insurance are varied with multiple points of comparison.

The perils chart for mobile home coverage highlights those points of comparison, and, as is the case with homeowners insurance, the damages protected are to the mobile home itself, other structures on the premises and personal possessions. The policy also pays for additional living expenses. This chart allows for speedy comparison of covered causes of loss, but an agent near you will provide more details.

Liability coverage provided by a mobile homeowners’ policy helps pay for damages incurred by incidents on the covered property and the personal activities of the policyholder.

Our Umbrella’s Got You Covered

umbrellaKeystone National provides Personal Umbrella Insurance to help pay for net losses resulting from personal injury and property damage. The activities that caused the damage must be personal in nature, not business related. This umbrella liability coverage is supplemental to primary liability under homeowners’ insurance, with the probable policyholders being professional businesspersons and executives.

This is above and beyond the retained limit stated in the primary policy, specifically the ultimate net loss the policyholder is required to pay as damages to completely satisfy a settlement. It supplements in cases where primary coverage is not required, typically the so-called deductible that must be paid for the policy to take effect.

This is when you need to call on the expertise of your local agent to decide whether you want TW to be your umbrella.

Did You Know?

Spoiled food in freezers and refrigerators are often NOT covered under homeowners policies, but exceptions abound from state to state. Coverage would be more likely if the source of the power outage is nearby, such as a line break. Check with your agent. (Insurance Information Institute)