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Home Owners Insurance Information

Extra Features (Superior Protection)

Each innovative policy includes more than 50 extra protection features.
Some of these include:

  • Coverage up to $2,500 for loss due to theft, forgery or unauthorized use of a credit card and unknowingly accepting counterfeit money.
  • Payment up to the Personal Property limit for loss to contents of a refrigerator or freezer from either power or mechanical failure.
  • Coverage up to $3,000 for theft, misplacing or losing of jewelry, watches and furs.
  • Reimbursement for fire extinguisher recharge after a fire loss.
  • Payment for replacement of automatic garage door transmitters which have been stolen.
  • Coverage is also provided for cost to reprogram the frequency on additional transmitters and/or the control unit box.
  • Coverage up to $3,000 for theft, misplacing or losing of guns and related equipment.

Perils*

The Ultracover Policy will protect your home, other structures and personal belongings against direct physical loss except as excluded in the policy.
Perils include:

  • Fire or Lightning
  • Windstorm or Hail
  • Explosion
  • Sonic Boom
  • Riot or Civil Commotion
  • Aircraft or Vehicles
  • Smoke
  • Vandalism or Malicious Mischief
  • Glass Breakage
  • Theft
  • Falling Trees or Other Objects
  • Weight of Ice, Snow or Sleet
  • Sudden Bursting or Cracking of a Heating or Cooling System
  • Freezing of Plumbing, Heating and Cooling Systems
  • Accidental Overflow or Discharge of Water from Within the Home
  • Power Surge Damage to Electrical Appliances
  • Volcanic Eruption

* Some perils contain specific exclusions. See the actual policy for the details.

Optional Coverages

Because your home is a special place, it may have unique protection needs.
Some of the optional coverages available include:

  • Sewer or Drain Back-Up
  • Incidental Business Occupancy
  • Earthquake Coverage
  • Scheduled Personal Property
  • Enhancement Endorsement
  • Expanded Endorsement
  • Personal Computer Coverage Endorsement
  • Dwelling and Other Structures Siding and/or Roofing Restoration Coverage




Premier Racine Office:
Phone: 262-884-6570
Fax: 262-884-7509
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Premier Elkhorn Office:
Phone: 262-741-3020
Fax: 262-723-8690
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