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EMC Homeowners Policy Coverage Details

EMC offers three coverage levels, plus optional property and liability coverages not listed on this page. Contact your insurance agent to determine the appropriate insurance protection for your unique needs.

  EMC Homeowners Homeowners Plus* EMC Choice® Homeowners*
Coverage A: Dwelling – Extended replacement cost Optional Optional 125%
Coverage B: Other Structures (if no other structures, coverage A limit will be combined limit of A and B ) Included Included Included
Coverage C: Personal Property – Replacement cost Optional Included Included
Coverage D: Loss of Use/Additional Living Expense 30% of coverage A 30% of coverage A Actual loss sustained
Special Limits of Liability      
Money, Bank Notes, Bullion, Gold, etc. $200 $300 $500
Securities, Accounts, Deeds, etc. $1,500 $1,500 $2,500
Watercraft and Trailers $1,500 $1,500 $2,500
Trailers or Semitrailers $1,500 $1,500 $2,500
Theft of Jewelry, Watches, Furs, etc. $1,500 $5,000 $5,000
Theft of Firearms $2,500 $5,000 $5,000
Theft of Silverware, Goldware, etc. 50% of coverage C 50% of coverage C 50% of coverage C
Property on the Premises Used for Business $2,500 $2,500 $5,000
Property Away From the Premises Used for Business $500 1% of coverage C 1% of coverage C
Electronic Apparatus While in a Motor Vehicle $1,500 $1,500 $2,500
Electronic Apparatus Used for Business While Away From the Premises $1,500 $1,500 $2,500
Additional Coverages      
Debris Removal ($1,000/$500 per tree with damage to the structure) 5% of coverage A 5% of coverage A 10% of coverage A
Debris Removal ($1,000/$500 per tree without damage to the structure) $1,000 $1,000
Fire Department Service Charge $500 $1,000 $1,000
Credit Card, Electronic Fund Transfer Card, Forgery $1,000 $10,500 $10,500
Loss Assessment $1,000 $2,000 $5,000
Watercraft Liability – Outboard motors up to 100 hp up to 100 hp up to 100 hp
Damage to Property of Others $1,500 $2,000 $2,000
Other Coverage Extensions      
Refrigerated Property Coverage $500 $1,000 $2,500
Golf Cart Liability Coverage Off premises Off premises Off premises
Waterbed Liability Included Included Included
Lock Replacement Coverage $500 $500 $1,000
Personal Injury Liability Included Included Included
Arson Reward $2,500 $2,500
Environmental, Safety and Efficiency Improvements 10% 10% 10%
Identity Theft with IDT911 Resolution Service $1,000 $15,000 $25,000
Equipment Breakdown $50,000

*Coverage extensions above a standard homeowners insurance policy. Coverage for condominium and renters policies varies.

This is only a summary of coverage and is subject to policy conditions, limitations and exclusions that may vary from state to state. Please read the policy for specific terms and conditions.



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