· fire and smoke
· tornado or windstorm
· hail and lightning
· falling objects, collapse and aircraft
· explosion
· water damage
· glass breakage and vandalism
· worker's compensation for occasional residence employees

This policy also includes personal liability coverage of $300,000 for protection, on and off your premises, against bodily injury or property damage suffered by others such as guests, neighbors, or tradespeople.

Under this policy you are also protected in the event of damage to your home caused by the following:

· riot or civil commotion
· weight of ice or snow and freezing damage
· cost of debris removal after loss
· sudden and accidental electrical damage to appliances

In addition, this policy provides for Broad Theft Protection which covers the theft of clothing, furniture, appliances - any personal property of yours that is not part of the dwelling structure - if it is stolen from your home. It also covers theft of that same property away from your home. In both instances, there are some limitations on specific kinds of property such as jewelry, furs, silverware, etc. If you own such higher value items and wish to pay a nominal extra premium, they can be specifically insured and then the limitations do not apply.

Plus the following additional coverages:

· Extended Replacement Cost - This coverage, subject to the conditions of the policy, pays the full cost of replacing the dwelling if the property is destroyed or damaged beyond repair, up to a maximum of 140% or 150% of the dwelling coverage amount.

· Replacement Cost on Contents - If any unscheduled personal property covered under the Replacement Cost endorsement is damaged, destroyed or stolen, the term "Replacement Cost" will be substituted for the term "Actual Cash Value" wherever it appears on the policy. "Replacement Cost" refers to the actual cost to replace the property at the time of the loss, with no deduction for depreciation.

The Western Mutual Insurance Group of Companies includes Western Mutual Insurance Company, Western Mutual Property Insurance Company (Nevada, New Mexico and Utah) and Residence Mutual Insurance Company.