What is covered in my Pioneer Homeowners Policy?
Your policy provides coverage for:
Your home, where you reside
Other structures on your property such as a detached garage, fence or shed
Your personal property such as furniture, clothes and other belongings
Expenses beyond your everyday expenses that you incur due to a covered cause of loss
Damages you become legally liable for, as well as legal fees associated with a claim
Medical payments owed by you to someone else
Additional Coverages In Your Policy
Temporary repairs to protect from further damage
Trees, shrubs and other plants
Fire department service charge
Property removed (to prevent further damage)
Credit card, fund transfer card, forgery and counterfeit money
Glass or safety glazing material
Your deductible is the amount you will take responsibility for in the event that a loss occurs, before your insurance begins to pay.
Note: Your deductible is not paid out of pocket, but deducted from the total amount paid for a claim.
When am I covered?
Your home and other structures are covered against all perils.* Your Homeowners Policy also covers your contents for the following perils:*
Fire and lightning
Windstorm or hail
Riot or civil commotion
Vandalism or malicious mischief
Weight of ice and snow
Accidental discharge or overflow of water or steam
Sudden and accidental tearing apart, cracking, burning or bulging of water heaters & air conditioning units
Freezing of plumbing
Sudden and accidental damage from artificially generated electrical current
*Unless specifically excluded in your policy. Be sure to discuss all coverages with your agent.
Limits of Liability
The following items have special limits in your policy:
Motor Vehicle Parts
Business Property (on and away from the residence)
Your agent can help determine if the limits provided are appropriate for your situation.
Replacement Cost Coverage
We will pay reasonable costs to repair and replace damages within policy limits. Talk to your agent about depreciation.
Backup of Sewers or Drains
Sports Vehicle Liability
Personal Property Replacement
Extended Replacement Cost
Ordinance or Law Coverage
Scheduled Personal Property
Multi-policy Credit (With Auto or Umbrella)
This brochure is intended to be a broad summary of the insurance coverages provided by a Homeowners policy. The information here is subject to policy terms and exclusions, and does not replace your policy language. Read your full policy carefully and ask your Independent Insurance Agent if you have specific questions.
* HO-3 covers against all perils as stated. See your policy language for named perils for all other policy types.
Waterford, Troy, Farmington Hills, Southfield, Rochester Hills, W Bloomfield, Pontiac, Royal Oak, Novi, Commerce, Orion, Independence, White Lake, Madison Heights, Oak Park, Auburn Hills, Oxford, Birmingham, Ferndale, Highland, Oakland, Michigan, Pioneer Insurance