Our Services

Property Insurance Company Of America - A leading provider of Property Casualty Insurance

At PICA, we partner with the highest quality independent agents to fit your needs. Our deductibles are set not based on a percentage of your coverage, but on an amount you -- as a homeowner -- are comfortable with paying up front in the event of a loss to your property.

Dwelling

This coverage in your policy covers the cost to repair or rebuild your home after it has had damage due to a covered peril/loss.

COVERAGE A

Other Structures

This provides for damages to other structures on your property that are not connected to your dwelling. (Detached sheds and/or garages for example).

COVERAGE B

Personal

Property

This coverage will help to pay to replace or repair your personal belongings if they are stolen or damaged due to a covered peril/loss.

COVERAGE C

Loss of Use

This provides coverage for additional living expenses that you incur if your home is not livable due to a covered peril/loss.

COVERAGE D

Personal

Liability

This is the section of the policy that protects you from expenses that occur from lawsuits or judgements brought against you when you are legally liable for bodily injury or damage to someone’s personal property.

COVERAGE E

Medical Payments to Others

This is the part of the policy that will pay the necessary medical expenses of an individual other than the insured for injuries that occurred at the insured location, regardless of fault.

COVERAGE F

Subject to the terms of this policy, policy provides coverage for damage to your dwelling (Coverage A,) other structures (Coverage B), personal property (Coverage C), and additional living expenses (Coverage D), caused by windstorm and/or hail only.

WIND ONLY