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Prestige® Home
Spare the details? Not us. Prestige Home (Premier or Standard) for your fine house goes beyond the basics in every detail.


Have a house with distinctive features? Fireman's Fund covers the details to restore what other policies might miss, such as custom cabinets and imported tiles. We simply don't cut corners to rebuild your home.

Don't want to rebuild after a total loss? Want a smaller house? Our cash settlement option gives you the freedom to decide.

Because we care about your security, Prestige Home Premier also provides Identity Fraud Coverage and Home Protection Review services.
 
 

 
Prestige Home Highlights
Coverage

Industry Standard HO3/ ISO 2000

 Prestige Home Standard Prestige Home Premier
Home - Full Cost Replacement Coverage
Pays for a home of a like kind and quality at its current price to replace with no deduction for depreciation -- even when costs exceed coverage amount.		 No Yes Yes
Personal Property - Replacement Cost
Coverage Pays for contents of a home at the current price to replace with no deduction for depreciation. 		No Yes and cash settlement is available! Yes and cash settlement is available!
Other Structures - Replacement Cost
Coverage Replaces structures, such as unattached garage or fences. 		No Yes Yes
Increased Costs Required by Code Changes
Guards against any cost increases for repairs or construction as a result of changes in building, zoning or land use codes. 		Limited (available by endorsement) Yes Yes
Loss Assessment Coverage
Pays when homeowners association assesses all unit owners for a common loss.		 $1,000 $1,000 $50,000
Backup of Sewers and Drains
Pays costs of overflow from sewers, drains and sumps.		 No Available by endorsement Yes
Identity Fraud Expenses No No $15,000 (or $25,000 with added Measure)
Deductible Waiver
Waives deductibles of $10,000 or less when losses exceed $50,000. ?		 No No Yes, through special deductible still applies (e.g., hurricane deductible)

These discriptions of coverage are appreviated and are subject to the terms, conditions and exclusions of the actual policy, which form the contract between the insured and the insurance company.

Available coverages, credits and options vary by state.
 
   
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