Strictly Business

Founded in 1946, Shelter Insurance is headquartered in Columbia, Mo. and provides a variety of competitively priced financial products and services, as well as comprehensive insurance programs such as:

Home Insurance

Homeowner’s Form 3 Policy with renovation cost coverage

In addition to holding many fond memories for you and your family, your home represents a considerable investment. Protect it with Shelter’s special coverage with renovation cost homeowner’s policy.

How much would it cost to repair your home should a loss occur?

This policy will repair your home and return it to a habitable condition using building materials commonly used in new construction today. Equally important, losses paid on this basis are not subject to depreciation as long as the property is repaired within one year (roofs may or may not be subject to depreciation depending on the renovation cost option selected). The maximum limit payable will be the policy limit you set.

If for any reason you prefer to use different materials or make other repair adjustments, payments are made for the actual cash value (modified cash value, which does not include a payment for general contractors’ overhead and profit, in Tennessee only) at the time of the loss.

The special coverage with renovation cost homeowner’s policy can help protect your investment and see that your family’s possessions aren’t lost should some unfortunate disaster occur.

Dwelling and personal property is protected from the following covered losses:

• Fire
• Lightning
• Wind or hail
• Theft
• Vandalism or malicious mischief
• Explosion
• Breakage of glass (or damage to personal property from glass breakage)
• Riot or civil commotion
• Damage by aircraft
• Smoke damage (all smoke losses except agricultural or industrial operations)
• Loss caused by vehicles
• Volcanic eruption
• Collapse (of buildings)
• Falling objects (falling tree or other objects)
• Freezing of plumbing and heating system
• Water overflow
• Weight of ice and snow (to building and contents therein)
• Heating system loss (explosion of steam or hot water systems or appliances)

Your dwelling but not personal property is protected against the following additional losses plus any accidental direct physical loss not specifically excluded by the policy.

• Chemical or acid spills
• Accidental damage to building
• Damage by wild animals
• Spilled paint
• Water backup resulting from ice blockage

Liability exposures include:

• Lawsuits (attorney fees, court costs, etc.)
• Injuries to guests or other visitors on your premises
• Damage to property of others ($1,000 limit)
• From your unintentional activities
• Your animals
• Legal liability for fire (smoke or explosion damage to property occupied, used, rented or in the insured’s care)

All coverages are subject to the exclusions and conditions in the policy. There are certain causes of loss to property that are excluded and you should review the policy for a complete analysis.

A homeowner’s plan that provides Shelter’s special protection for:

$ __________ Your Home*

Covered on a renovation cost basis using commonly used building materials, without deduction for depreciation – subject to limitations. (Roofs may or may not be subject to depreciation depending on the renovation cost option selected.)

$ __________ Other Structures*

Up to 10% of dwelling insurance – on premises not used for business – subject to limitations.

$ ___________ Unscheduled Personal Property*

At your home the coverage limit is 55% of dwelling insurance – subject to limitations.

Away from home personal property is covered anywhere in the world. However, this coverage is limited to 10% of your personal property amount for property that is away from the premises for more than 30 consecutive days. If you have a second residence, theft of property from that premises does not apply except while you temporarily reside there.

$ ___________ Additional Living Expense

If a covered loss makes all or part of your dwelling uninhabitable – 20% of dwelling insurance – subject to limitations.

$ ___________ Family Activities

Affords protection up to the amount selected to cover legal liability – on or off your premises – subject to limitations.

$ ___________ Medical Payments To Others (Per Person)

Coverage for injuries to others – liable or not – subject to limitations

$ ___________ For Damage To Property Of Others

Caused by any insured – liable or not – subject to limitations

* Subject to a deductible as provided in the policy

All Shelter Homeowner’s Policies have these features:

• $200 outdoor antenna coverage
• Protection even if your home is under construction
• Automatic personal property coverage at a new residence for 30 days
• Benefits for damage from certain perils for lawns, trees, shrubs or plants
• A benefit of up to $500 for removal of trees which have damaged covered property
• Freezer or refrigerator contents protection, $500 limit in the aggregate
• Forgery or alterations protection in connection with credit cards, fund transfer cards, checks or drafts ($1,000 limit)
• $500 Fire Department service charge
• Theft coverage for property taken from your car
• Family liability coverage
• Liability coverage for resident employees not covered by workers compensation
• Liability coverage for owned recreational motor vehicles on your premises
• Liability coverage for swimming pools
• Liability coverage for some outboard motors, inboard, inboard/outboard motors, sail boats and personal watercraft
• Liability coverage for motorized equipment, such as power lawn mowers, while being used to service the premises
• Coverage for recreation vehicles
• Coverage for collector cards and comic books
• Coverage for audio tapes, video tapes, audio discs, video discs, and similar electronic media away from the premises
• Coverage for parts and accessories for motorized vehicles not attached to the vehicle

For an additional premium, these coverages may be added to any Shelter homeowner’s policy.*

• Child day care business occupancy (not available in Illinois)
• Additional residence premises rented to others
• Additional residence premises occupied by insured
• Extended liability coverage to owned or rented farm premises
• Liability protection for some incidental offices, professional, private schools or studio occupancies on the premises
• Coverage on guns and related equipment, archery and related equipment, silverware and goldware
• Coverage for piers, bulkheads, wharves and docks and equipment attached to them
• Expanded coverage on your personal property
• Coverage on jewelry and furs
• Personal computer coverage
• Personal injury liability coverage
• Earthquake coverage
• Back up of sewer or drain coverage
• Inflation protection coverage to keep your dwelling insured as closely as possible to its restoration cost at all times
• Coverage for theft from a new home under construction
• Coverage for limited farming operations on premises

*Additional coverage options may vary by state. Ask Jim Summers for details.

For an additional premium, these benefits may be increased:

• Outdoor antenna coverage
• Coverage on non-business garages and other buildings on your premises
• Additional living expense
• Special money limit
• Fire department service charges
• Family liability coverage
• Liability for watercraft which exceeds the automatic coverage provided by the basic policy
• Additional residence premises occupied by insured

Your premium is $ ________ payable every ________, and your policy has a $ _______ deductible.

The amount of the deductible can be increased, which can lower your premium

This information contains only a general description of coverages and is not a statement of contract

All coverages are subject to the exclusions and conditions in the policy. There are certain causes of loss to property that are excluded and you should review the policy for a complete analysis.

Let Shelter Insurance, which has more than 1,400 agents in our 14-state operating area, save you time and money when insuring your most valuable assets. To learn more about our company and all of our services, simply follow the links to our web site at www.shelterinsurance.com