Homeowners Program Feautres

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Umialik offers a variety of Homeowner forms that include many unique benefits at no additional charge, including:

Penalty-Free Promise®*

All of our policies come with our unique Penalty-Free Promise®. Policy premium is never increased as a result of claims.

Common Loss Deductible

Customers that incur damage to property covered under more than one Umialik personal lines policy pay only the highest applicable deductible.

Additional Insurance – Coverage A (Dwelling)

For added protection, our Preferred forms include additional insurance at 150% of Coverage A at no additional charge. 125% and 150% of Coverage A is available in our Select form (Replacement Cost Estimator required).

Watercraft Liability

All of our Homeowner policies include liability coverage for boats with outboard motors. There is no additional premium charge regardless of horsepower.

Water Back-Up Coverage

Limits up to $25,000 are available for purchase.

Identity Fraud Expense Coverage

All Homeowner forms include $10,000 coverage to reduce expenses incurred as a result of identity fraud. Additional limits up to $50,000 are available for purchase.

Personal Injury

Coverage for policyholder liability due to personal injury is included in our Preferred forms and available for purchase in our select forms.

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Umialik offers many optional coverages to meet the needs of today’s insurance consumer. Examples of some popular options include:

Scheduled, Agreed Value and Blanket Jewelry

Policyholders may choose to specifically insure their high-value jewelry items for open peril coverage. They may also choose to purchase a blanket limit of $5,000, $7,500, or $10,000 to cover multiple items each valued under $2,500.

Equipment Breakdown

Homeowners may choose to purchase coverage for breakdown of equipment, such as appliances and HVAC systems. The limit is $50,000 per occurrence and a $500 deductible applies.

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* “Penalty-Free” means your rates are never increased due to claims. Initial and ongoing eligibility for coverage not guaranteed. Coverage not available in every state.