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Homeowners |
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Homes |
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Standard |
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Green Homes |
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Condos |
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Historic Homes |
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Optional Green Upgrade |
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Optional Equipment Breakdown |
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Optional Surface Water Flood |
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Optional Landscape |
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Optional Added Measure® |
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Optional Business at Home |
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Auto |
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Excess & Umbrella |
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Collections & Valuables |
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Yacht & Watercraft |
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Private Events |
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Travel |
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Life |
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| Legal | |
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Keyword |
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| Prestige® Home |
Spare the details? Not us. Prestige Home (Premier or Standard) for your fine house goes beyond the basics in every detail.
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Have a house with distinctive features? Fireman's Fund covers the details to restore what other policies might miss, such as custom cabinets and imported tiles. We simply don't cut corners to rebuild your home.
Don't want to rebuild after a total loss? Want a smaller house? Our cash settlement option gives you the freedom to decide.
Because we care about your security, Prestige Home Premier also provides Identity Fraud Coverage and Home Protection Review services.
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| Coverage
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Industry Standard H03/IS0 2000
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Prestige Home Standard
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Prestige Home Premier
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Home - Full Cost Replacement Coverage
Pays for a home of a like kind and quality at its current price to replace with no deduction for depreciation -- even when costs exceed coverage amount.
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No
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Yes |
Yes |
Personal Property - Replacement Cost
Coverage Pays for contents of a home at the current price to replace with no deduction for depreciation.
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No
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Yes and cash settlement is available! |
Yes and cash settlement is available! |
Other Structures - Replacement Cost
Coverage Replaces structures, such as unattached garage or fences.
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No
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Yes |
Yes |
Increased Costs Required by Code Changes
Guards against any cost increases for repairs or construction as a result of changes in building, zoning or land use codes.
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Limited (available by endorsement)
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Yes |
Yes |
Loss Assessment Coverage
Pays when homeowners association assesses all unit owners for a common loss.
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$1,000
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$1,000 |
$50,000 |
Backup of Sewers and Drains
Pays costs of overflow from sewers, drains and sumps.
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No
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Available by endorsement |
Yes |
| Identity Fraud Expenses
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No
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No |
$15,000 (or $25,000 with Added MeasureSM)
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Deductible Waiver
Waives deductibles of $10,000 or less when losses exceed $50,000.
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No
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No |
Yes, though special deductible still applies (e.g., hurricane deductible) |
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Contact an independent agent for more information.
These descriptions of coverage are abbreviated and are subject to the terms, conditions and exclusions of the actual policy, which forms the contract between the insured and the insurance company. Available coverages, credits and options may vary by state.
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