Alfa's homeowner's policy provide comprehensive coverage for your home and possessions:

• HO-3: Homeowners coverage protects your home, its contents and other structures. It covers almost everything from fine china to your new television. It can even cover your pool and utility buildings
• HO-5: Extra homeowners coverage covers the same comprehensive range of items as an HO-3 policy, except that it has extra replacement cost coverage for your home
• HO-6: Condominium owners coverage covers personal property and the real property at your condominium
• HO-8: Tenant dwelling coverage covers rental properties. Coverage is provided for the dwelling, other structures, owner’s contents and loss of income that may arise if you are unable to rent your rental property due to a covered loss

This coverage provides personal liability protection for negligent acts which you may be legally liable for up to the limits of the policy and provides for the cost of defending lawsuits brought against you for a covered loss.

This policy also provides medical payments up to the limits of the policy for those, other than insureds, who may be injured while on the insured property.

Coverage may be provided for items such as collectibles, home computers and fine jewelry. To help cover these items, Alfa offers optional coverages that can be added by endorsement.

• Special valuables - allows you to specifically insure items, such as jewelry, guns, silver, fine artwork or other collectibles. Contact us for details.
• Additional premises liability - protects you if renters or guests are injured while on property you rent to others