Homeowners

Buying a home is probably the single largest investment you’ll make in your lifetime, so EMC Insurance Companies wants to help make sure your investment is completely protected. We provide three levels of comprehensive homeowners coverage with outstanding features and cost-saving benefits designed to meet your individual needs and give you peace of mind.

Extra Coverages for Even Greater Protection
EMC’s basic homeowners policy gives you better-than-average protection with additional coverages for which many companies charge extra or just don’t provide, all at no additional cost to you:

• Increased coverage for theft of silverware
• Credit card and fund transfer coverage (loss by fraud or theft of most credit cards): $500
• Damage to property of others: $1,500
• Refrigerated property coverage (losses of perishable goods due to power outage): $500
• Lock replacement coverage replaces locks to doors or windows when the keys are stolen: $500
• Personal injury coverage insures you against legal liability arising from damages resulting from personal injury
• An additional 10% of your covered loss is paid if you replace damaged property with material that includes environmental, safety or efficiency improvements
• Identity theft/fraud expense: $1,000
• Access to Identity Theft 911 resolution service
• Golf cart liability coverage is provided while off an insured location
• Watercraft liability coverage is provided for outboard motors up to 100 horsepower

Coverage Options

For a small additional premium, EMC offers two more policy options. Homeowners Plus and EMC Choice^® Homeowners include extended coverages to provide even more protection.

Highlights of Homeowners Plus Coverages:

• Refrigerated property: $1,000
• Lock replacement: $500
• Golf cart liability off premises
• Identity theft: $15,000
• Identity Theft 911 resolution service

Highlights of EMC Choice Homeowners Coverages:

• Refrigerated property: $2,500
• Lock replacement: $1,000
• Golf cart liability off premises
• Identity theft: $25,000
• Identity Theft 911 resolution service
• Equipment breakdown: $50,000
• Extended replacement cost at 125%

EMC also provides a variety of optional property and liability endorsements to customize your homeowners policy. Your local independent insurance agent can recommend a program that best fits your personal insurance needs.

Insurance Discounts

Regardless of which homeowners policy you choose, EMC will reward you for taking the necessary steps to reduce your risk of loss. The following premium discounts* are available:

• Protective Devices—You can earn a premium discount of up to 15% if you install deadbolts, fire extinguishers, smoke alarms or central station alarms in your home.
• New or Renovated Dwelling Components—Credits are available if you have recently updated your electrical, plumbing, heating or cooling system, or roof.

* Policy premium discounts may vary by territory.