Guaranteed Replacement Cost*
Swyfft homeowners insurance offers GUARANTEED REPLACEMENT COST*, which covers the full cost of replacing your home with no deduction for depreciation and no dollar limit.
In addition to covering your home, your Swyfft homeowners insurance policy provides the following important coverages:
covers other structures on your property that are not attached to the main dwelling, for example: a storage shed, barn, fence, detached garage or guest house.
covers damage to or loss of personal property. Personal property includes household contents and other personal belongings owned by you and your family. It also includes personal property that may be located outdoors, such as patio furniture or a lawn mower.
covers the expense of staying in a hotel or other location if your home is damaged and you are not able to live there while the repairs are being made.
covers you if a claim is made or a suit is filed against you for damages due to bodily injury or property damage. The insurer will provide your defense at the insurer’s expense, even if the suit is without merit or is fraudulent.
covers medical payments to others when you are not legally liable for their injury or damages.
* Guaranteed Replacement Cost is standard in all states except NY. It is an OPTIONAL offering in NY.