Why should you consider First American for your Homeowners Insurance coverage? Our
policy is competitive in both features and rates. We are known for our attention
to customer service and have earned an "A" rating by the recognized rating service
A.M. Best Company.
Another advantage of our Homeowners Insurance is that it is available through the
escrow process and can be purchased at closing. Once you qualify, you won't need
to call around, and your transaction won't be delayed. We'll make sure you
have the Homeowners Insurance you need -from a name you trust - leaving you with
confidence your home is well protected.
First American's Homeowners Insurance provides a comprehensive package of residential
and personal property protection for you. Our policy provides coverage for:
- Fire, including smoke damage
- Crime, including theft, vandalism and malicious mischief
- Windstorm, including hail
- Accidental major leaks or overflow of water, heating, air conditioning, or sprinkler
- Check forgeries and credit-card fraud
- Damage from aircraft and vehicles
- Damage from weight of ice, snow or sleet
In addition, these components are covered:
- Your Home
Your house and separate structures on the premises (sheds, detached garages, etc.)
are covered for almost any type of damage except for a few exclusions listed in
- Additional Living Expense
If your home is damaged from a covered peril and becomes uninhabitable, you may
need to temporarily live somewhere else while your home is being repaired. Your
First American policy will pay you for increases in living expenses (housing, food,
etc.) you incur while your home is being repaired as a result of a covered loss.
- Personal Property
Your policy covers your on-premises personal property (household contents, personal
belongings, etc), subject to the policy provisions. Your personal property is also
protected anywhere in the world, for example, if your clothes are stolen while on
vacation, you're covered. But there are special policy limits, so please consult
- Personal Liability and Medical Payments
Your First American Homeowners policy pays for bodily injury to other people, for
which you are legally responsible, that result from unintentional acts by you or
a qualified family member. The policy also provides coverage for damage to others,
again, if you are legally liable. With some exceptions this coverage applies anywhere
in the world.
- Optional Coverage
There are many other optional coverages that are not part of your homeowners policy.
They can be added to provide coverage above what your homeowner's policy typically
*This policy information is very brief and is not intended as a complete description.
Please consult your policy or a licensed agent for full details.
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