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HOMEOWNERS COVERAGE NOT AVAILABLE IN LOUISIANA.

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.

Large coastal-style home with a wraparound porch and landscaped lawn

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

Small beach hut and fishing boat on a rocky shoreline beneath dark storm clouds

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

Bright living room with a leather lounge chair, coffee table, flowers, and large windows

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

Severely damaged coastal home with collapsed walls and roof after a hurricane

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

Scales of justice and a wooden gavel symbolizing law, fairness, and legal balance

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

Stethoscope resting on a medical chart beside a computer monitor in a clinical setting

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

Strong winds bend palm trees as waves crash during a tropical storm

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