Homeowners Insurance

Capitol Preferred dedicates itself to providing peace of mind to our insureds when it comes to protecting one of their
most cherished assets – their home. Through one of our Homeowners policies, your (owner-occupied) home will be protected
from financial loss after a covered event. Our Homeowners policies (HO-2, HO-3) safeguard your home’s structure and your
personal belongings. They also protect you from any liability you may have for injuries to others that were sustained on
your property.

Depending on the form chosen, typical coverages on a HO policy include:

Coverage A – Dwelling: provides coverage for the physical loss of or damage to the main dwelling

Coverage B – Other Structures: provides coverage for the physical loss of or damage to other
structures located on the premises, such as a detached garage or shed

Coverage C – Personal Property: provides coverage for the physical loss of or damage to the
personal property located within the structure

Coverage D – Loss of Use: covers additional living expenses when the property is uninhabitable
due to a covered loss

Coverage E – Personal Liability: provides protection for the homeowner and other insured
persons against claims made by others for bodily injury or property damage resulting from the insured’s use of the residence premises or the insured’s non-business activities

Coverage F – Medical Payments to Others: provides medical payments to persons other than the
insured or residents of the insured’s household who are injured on the insured’s premises