VISION'S

PERSONAL LINES

HOMEOWNER’S INSURANCE:

VISION’s HO-3 homeowner’s insurance policy protects your home, personal belongings, and liability in the event of a covered loss. It includes:

Dwelling

Provides comprehensive coverage for the physical structure of your home, including its foundation, walls, roof, and built-in fixtures, protecting against damage from covered perils such as fire, windstorms, hail, or other specified events, ensuring your home’s structural integrity is safeguarded.

Other Structures

Safeguards detached structures on your property, such as garages, fences, tool sheds, pools, or gazebos, providing coverage against damage from covered perils like fire, storms, or vandalism, ensuring these separate structures are protected from unexpected losses.

Personal Property

Covers personal belongings, including laptops, televisions, furniture, sports equipment, clothing, and other household items, offering protection against loss or damage from covered perils like theft, fire, or vandalism, ensuring your possessions are financially safeguarded.

Loss of Use

Reimburses additional living expenses, such as hotel stays, meals, or transportation, when your home becomes uninhabitable due to covered events like fire, windstorms, or other specified perils, ensuring you maintain your standard of living during repairs.

Personal Liability

Offers liability coverage for bodily injury or property damage to others resulting from your actions, whether occurring at your home or elsewhere, protecting you from financial responsibility for accidents or incidents caused by you or your household.

Medical Payments

Covers medical expenses for injuries sustained by guests at your home, such as slips or falls, ensuring prompt payment for treatments or care, regardless of fault, to support their recovery and minimize your financial liability.

CONDO INSURANCE:

VISION’s Condominium Insurance, often called condo insurance or HO-6 insurance, protects condo owners by covering:

Personal Liability

Legal and medical costs if someone is injured in your unit or you accidentally damage someone else’s property.

Personal Property

Damage or loss of belongings (furniture, electronics, clothes) due to events like fire, theft, or vandalism.

Loss of Use

Temporary living expenses (hotel, meals) if your condo becomes uninhabitable due to a covered event.

Interior Structure

Repairs to interior elements (walls, floors, fixtures) not covered by the condo association’s master policy, which typically handles exterior and common areas.

Loss Assessments

Your share of costs for damage to common areas (e.g., lobby, roof) if the association’s policy falls short, though coverage limits apply.

DISCLAIMER: This information is a summary of the major coverages in an HO3 policy. It is only a general description intended to help you understand the policy and does not create or amend the contract or a policy in any way. All coverages are subject to the terms, conditions, special limits, and exclusions of the policy and all applicable endorsements. This information shall not be construed to replace any provision of the policy itself. In the event of any conflict between the policy and the information provided on this site, the provisions of the policy shall prevail. Please read your policy for details.