Small Business Insurance
Eligible ages:
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Minimum Age: 10 Years
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Maximum Age: 65 Years
Small Business Insurance
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Coverage
Coverage for the house owned by the policyholder.
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Other Structures
Other structures on the insured location are also covered up to 10% of the amount of coverage on the house.
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PersonalProperty
Personal property owned by the policyholder covers up to 50% of the amount of coverage on the house.
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Loss ofUse
Loss of Use coverage provides up to 20% of the amount of coverage of the house for the policyholder's extra expenses in the event a covered loss renders the house uninhabitable.
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PersonalLiability
Personal Liability coverage pays for injury for which an insured may be legally liable.
Additional Coverages can include:
- Replacement Cost Contents for personal property at replacement value without a deduction for depreciation.
- Guaranteed Replacement Cost will pay for the cost to rebuild a destroyed building even if the cost exceeds the amount of coverage up to an additional 50%.
- Protection Bundles provide additional coverages with a price that is lower than if the coverages are purchased individually.
- In-home Business for certain businesses operated out of the house.
- Identity Theft provides highly experienced fraud specialists to assist in resolving your claim.
Ways to Save
New Home Credit
A New Home Credit is available for those who own homes that are less than 30 years old.
Safety Credit
A Safety Credit is available for those that have a central station burglar and fire alarms as well as smoke detectors.
Higher Deductible Credits
For those who have a higher deductible, additional credits may be available.
Premises Credit
Homeowners whose property does not include the need to insure buildings on the insured premises other than the dwelling receive a credit.
Other Types of Homeowners Insurance Include:
- Renters Insurance
- Condo Associations
- Valuables Insurance
Talk to the Experts
Find an NLC agent to learn more about our Homeowner programs and how we can provide a custom solution designed just for your needs.