A NatGen Premier homeowners policy surrounds your home, belongings, liability, and well being with protection. We are not only covering a house and its contents, we help you maintain your lifestyle throughout your claims experience.
Our coverage offering begins with a standard Homeowners Insurance Policy form known as an HO3. Then, depending on the size, value, and location of your home, we can add various layers of coverage and optional endorsements such as Extended Replacement Cost, Water Back-Up, Ordinance & Law, Equipment Breakdown, and Service Line Coverage.
Important and Unique Coverages
Homes insured for $750,000 or more are covered by the Premier Client Home Endorsement which includes important and unique coverages designed for high value homes, such as Guaranteed Replacement Cost, Large Loss Deductible Waiver, Cash Out Option, Unlimited Loss of Use and more.
When you experience a large or total loss, this coverage guarantees that your home will be restored to its original condition with like kind and quality materials--even if the structure’s insurable limit is exceeded.
When you experience a loss, your personal property is usually in a “used” or “depreciated” condition. This coverage pays for you to replace your damaged contents with brand new, like kind and quality items, without charge for depreciation.
Sump Pumps, sewers, and drains can experience failures or back-ups for many reasons. Sometimes the underlying cause is unknown to you until damage occurs, having this coverage gives you the peace of mind that you are protected from what you can’t see.
Overtime, municipalities and cities change their building codes and ordinances. If you experience a loss that requires additional work be done to meet current codes, Ordinance and Law coverage will help cover the additional cost of construction.
Every year more than 15 Million Americans fall victim to identity theft. NatGen Premier offers a layer of coverage to help protect you from this peril.