SPECIAL FEATURES OR OPTIONS listed below are available and subject to certain conditions and limitations specified in the Homeowners policy.
YOUR HOME is provided with Comprehensive insurance protection for covered direct and accidental losses (except for certain specifically excluded Causes of Loss). Some of the Covered Perils include:
YOUR PERSONAL PROPERTY is provided with specific perils that are most likely to cause a loss (see the policy for a more detailed discussion on coverage, conditions, and restrictions). Your personal property is covered anywhere in the world. Some of the covered perils include the following (this is not all inclusive, and some restrictions may apply):
INCREASED LIVING EXPENSES provide coverage to pay for the additional expenses incurred if a covered loss forces you and your family out of your home. This coverage provides for the additional expenses required for lodging, increased food and transportation costs, and other necessary increases in living expenses.
LIABILITY COVERAGE is also provided under the Merced Property & Casualty Company homeowners policy. This provides coverage if you are sued for Bodily Injury or Property Damage caused by an occurrence to which coverage applies. The policy provides limited medical expenses to certain persons that are accidentally injured, other than the policyholders.
IMPORTANT NOTE: This pamphlet is only a brief description of Merced Property & Casualty Company’s Homeowners policy. It is not a contract of insurance and does not confer any rights. Please read your policy for full details about coverages, exclusions, and other limitations or restrictions.
Homeowners insurance coverage is subject to underwriting guidelines, restrictions and changing market conditions, and is not available in all geographical areas of California.
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