Homeowners Coverage

Merchants Insurance Group offers The Homeowners Advantage -- comprehensive homeowners protection at affordable prices. Merchants' outstanding policies span standard homeowners, condominium owners and apartment tenants. In addition, we offer our Premier Residence Policy. This is Merchants' most comprehensive homeowners coverage. Our Premier Residence policy broadens your property and liability coverage. Many of the optional coverages listed below are automatically included with Premier Residence.

Homeowners Coverage:

* Specified Additional or Additional Amounts of Insurance Coverage

These optional coverages provide extra "peace of mind".  When a covered loss occurs, your policy will provide 25 or 50% or more coverage (depending on which option you select) than the limit on your policy that applies to your house.  So you can rebuild your home exactly as it was before the loss.  A true "Homeowners Advantage!"  (Available options may vary by state.)

* Personal Property Replacement Cost

This valuable coverage compensates you for the amount necessary to replace damaged or stolen belongings with new items of comparable quality. And we will not deduct for depreciation due to the age or condition of your property.

* Water Back Up and Sump Overflow Coverage

Sewer backup losses can be unpredictable. Merchants' economical Water BackUp and Sump Overflow Coverage options provide valuable protection in the event of loss due to water that has backed up through a sewer or drain, or has overflowed from a sump. Several limits are available.

* Special Computer Coverage

Just about everyone owns a computer these days, yet the basic homeowners policy provides only limited coverage for computer items. This valuable Special Computer Coverage broadens your policy where computers and related equipment, data, and software are concerned. Whether you're concerned about important databases -- or the latest fast-action computer game -- you're covered!

* Ordinance or Law Coverage

Building ordinances or code regulations can increase the cost to repair or replace a home. Without Ordinance or Law Coverage, an individual is responsible for the additional costs incurred to comply with local building codes.
(Not available in all states.)

ACE - Additional Coverage Endorsement

Our ACE endorsement significantly increases the amount of property coverage on your standard homeowners or condominium owners policies. (For policies written with Merchants Insurance Company of New Hampshire, Inc., ACE is included for no additional charge!)

ACE provides higher coverage amounts for the following items:

• Jewelry
• Furs
• Guns
• Silverware
• Money, Securities, Credit Cards
• Food Spoilage
• Watercraft and their trailers
• Damage to the property of others
• Trees and Shrubs
• Lock Replacement
• Business Property

Additional Coverage:

Provides you with additional coverage for expenses related to clearing your name and credit records such as attorney fees, telephone charges, notary and certified mailing expenses. In addition, you have a Case Manager to assist you throughout your identity recovery process.

Merchants' Inland Marine Coverage provides you with additional all risk protection for your valued possessions such as jewelry, furs, artwork, silverware and many others.

* Pleasurecraft Coverage

Optional liability and physical damage coverage for your watercraft and trailer is available with our standard homeowners' or condominium owners' policies.