Dwelling Coverage: Provides funds to replace or repair the structure when damage is caused due to a covered peril.
Replacement Cost: To replace with like kind and quality.
Actual Cash Value: Replacement cost less depreciation.
Dwelling Extension: Provides coverage for damage caused by covered perils to structures separate from main dwelling. Examples might be detached garage or sheds.
Personal Property Coverage: May pay to replace the personal contents of your home that are not permanent parts of the dwelling. Coverage only applies in conjunction with a loss caused by a covered peril.
If you have previously had a WIND MITIGATION SURVEY completed provide a copy to State Insurance Group when requesting a quote.
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