Central's Summit Homeowner

	Summit Homeowner (available in Connecticut and Virginia)
	Enhanced Summit Homeowner (available in Arizona, Georgia, Illinois, Indiana, New Hampshire, New Mexico, New York, Ohio, Oklahoma, South Carolina, Tennessee)

Summit Homeowner (available in Connecticut and Virginia)

• Your home
• Your contents and personal possessions
• Structures other than your home
• You, for personal liability
• You, for medical expenses of others which result from injury on your premises
• You, for physical damage to the property of others while on your premises

• Special “broadened” protection which covers every cause of loss except those specifically excluded in the policy
• Guaranteed Dwelling Repair or Replacement protection, which means if you comply with the policy conditions, we will repair your home to its condition before the loss, even if the costs exceed the policy limits.
• Covered contents losses are handled on a Replacement Cost basis; that means no deduction will be taken for depreciation
• Loss of Use of the house (if your home is damaged by a covered peril and you have to move, we will pay your temporary expenses up to the Coverage A limit).
• Removal of fallen trees regardless of damage to covered property up to $1,000
• Personal Property away from the premises (increased to 20% of Personal Property limit)
• Fire Department service charges up to $500
• Credit Card Forgery ($1,500 limit)
• Collapse
• Damage to contents of your freezer due to a covered power outage up to $500

• Watercraft ($1,000 limit)
• Trailers ($1,000 limit)
• Theft of jewelry, watches and furs ($2,000 total limit, $1,000 limit per item)
• Business Property ($5,000 limit)
• Silverware ($3,000 limit)
• Guns ($2,000)
• Damage to property of others ($1,000)
• Coverage for stolen keys ($100 limit to replace locks)

The policy coverages described above are in the most general terms and are subject to the actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to the policy itself or contact a Central Agent.

Enhanced Summit Homeowner (available in Arizona, Georgia, Illinois, Indiana, New Hampshire, New Mexico, New York, Ohio, Oklahoma, South Carolina, Tennessee)

• Your home
• Your contents and personal possessions
• Structures other than your home
• You, for personal liability
• You, for medical expenses of others which result from injury on your premises
• You, for physical damage to the property of others while on your premises

• Special “broadened” protection which covers every cause of loss except those specifically excluded in the policy
• Guaranteed Dwelling Repair or Replacement protection, which means if you comply with the policy conditions, we will repair your home to its condition before the loss, even if the costs exceed the policy limits.
• Covered contents losses are handled on a Replacement Cost basis; that means no deduction will be taken for depreciation
• Loss of Use of the house (if your home is damaged by a covered peril and you have to move, we will pay your temporary expenses up to the Coverage A limit).
• Removal of fallen trees regardless of damage to covered property up to $2,500
• Personal Property away from the premises (increased to 20% of Personal Property limit)
• Fire Department service charges up to $1,000
• Credit Card Forgery ($2,500 limit)
• Collapse
• Damage to contents of your freezer due to a covered power outage up to $1,000

• Watercraft ($2,500 limit)
• Trailers ($2,500 limit)
• Theft of jewelry, watches and furs ($5,000 limit)
• Business Property ($5,000 limit)
• Silverware ($10,000 limit)
• Guns ($2,500 limit)
• Damage to property of others ($2,500 limit)
• Coverage for stolen keys ($1,000 limit to replace locks)

The policy coverages described above are in the most general terms and are subject to the actual policy exclusions and conditions. For specific coverage details and policy exclusions, refer to the policy itself or contact a Central Agent.