General Info
| What has changed | |||
|---|---|---|---|
| Penalty Free Homeowners | Select Home (New) | Signature Home | |
| Product Description | New business policies seeking the Penalty Free Promise can be written into Signature Home. The Penalty-Free Program will remain for existing policyholders only. | Western National’s Select Home product includes rating for prior claims and broader eligibility designed to bring more flexibility to our Home product. | The Western National Signature Home product includes the Penalty-Free Promise®* for which we’ve long been known. One will never pay a higher rate as the result of claims. |
| Penalty-Free Promise | Included | Not Available | Included |
| Additional Insurance Coverage A | 125% Standard Home included 150% Preferred Home included Guaranteed Option (WI Only) |
Optional Limits Available
• 125% • 125% • 150% • Guaranteed |
|
| Sewer and Water Backup Coverage | $5,000 Included (MN, WI, SD) | Optional in All States Limits up to $100,000 are available | |
| Boat and Snowmobile Coverage | Available | Refer to Watercraft or Road & Trail policy | |
| Featured Benefits | |||
|---|---|---|---|
| Penalty Free Homeowners | Common Loss Deductible | Additional Coverage to Replace Your Home | |
| The Penalty-Free Promise is available with our Signature Home product providing that peace of mind knowing one will never pay a higher rate if an unfortunate occurrence results in a claim | You pay only one deductible (the highest applicable) whenever an incident involves more than one Western National personal insurance policy | If the cost to repair or replace your home exceeds the limit purchased, a limit of 125%, 150%, or Guaranteed replacement coverage is available | |
| Featured Benefits | ||||
|---|---|---|---|---|
| Sewer and Water Backup Coverage: Limits available up to $100,000 | Cyber Liability $10,000 or $25,000 available coverage for Data Recovery and System Restoration, Cyber Crime, Cyber Extortion, Cyber Bullying, and Breach Notification Cost | Matching of Undamaged Siding or Roofing $10,000 to $40,000 of available coverage allowed for undamaged roof surfacing or siding to the residence when similar siding or roofing is no longer available to repair / replace the damaged portion | Equipment Breakdown Provides $50,000 of available coverage for breakdown of appliances and other residential equipment | Underground Service Line Coverage $10,000 of available coverage to replace or repair exterior service lines that fail or are damaged |