homeowner insurance
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Homeowner policies are multi-line policies which means they combine property and casualty coverages in the same policy.  A multi-line policy offers numerous advantages to insureds.  It packages several coverages related to a specific type of exposure, and it reduces the number of policies one has to purchase.  Homeowner insurance is sold as a personal package policy designed to cover a broad range of exposures related to owning or renting a part of a home.  The homeowner insurance program provides the same property coverages that are available under the dwelling property program but also includes theft insurance and personal liability under one contract.  

Homeowner policies may only be issued to cover premises which are principally used for private residential purposes such as the following:

1. Owner-occupants of residential dwelling which do not contain more than 4 families nor more than two boarders or roomers per family under the HO-2, HO-3, HO-5, HO-8
   
2. Tenants in non-owned building used primary for residential purposes under the HO-4 (renter's insurance)
3. Owner-occupants of condos are eligible for coverage for their interest in the condo as well as contents under the HO-6
4. Dwelling under construction
5. Dwelling purchased under installment contracts when purchaser is occupant of the dwelling
6. An occupant of a dwelling under a life estate
7. Seasonal dwellings when the insured is covered under a Homeowner policy for his or her primary dwelling
8. Mobile homes are eligible with the attachment of the mobile home endorsement.

Insured means:

• You and resides of your household who are:

             - Your relatives; or
             - Other persons under the age of 21 and in the care of any person named above

• A student enrolled in school full time, as defined by the school, who was a resident of your household before moving out to attend school, provided the student is under the age of:

            - 24 and your relative; or
            - 21 and in your care or the care of a person describe above.