Loudoun Mutual Insurance

Guardian Plus:

For homes that qualify, Loudoun Mutual offers the Guardian Plus endorsement which includes the following Guardian coverages:

• Personal Property Replacement Cost Coverage
• Extra Mortgage Expense Coverage
• Expanded Computer Coverage

Plus these additional coverages:

• Personal property coverage is increased to 75% of the dwelling limit
• Enhanced Sewer Back-Up Coverage provided up to the dwelling limit
• Personal Injury Coverage which provides protection for lawsuits resulting from allegations of libel or slander
• Golf Cart Liability which adds coverage for liability resulting from the operation of a golf cart on or off the golf course
• Expanded Replacement Cost Coverage for the Dwelling provides an additional 20% of the dwelling coverage limit in the event there is not enough coverage to rebuild your home after a covered loss
• Loss due to the theft of guns or jewelry is increased to $5,000 ($2,500 per item)

MasterGuard:

For select home and estates, Loudoun Mutual offers the MasterGuard Program. The program is designed to provide coverage for higher valued residences and includes broader coverage and higher limits for both the dwelling and personal property. The policy contract is a Form 5, which offers the broadest coverage of any insurance policy readily available. Some highlights are:

• Expanded Replacement Cost Coverage is provided at 130% of the dwelling limit in the event there is not enough coverage to rebuild your home after a major loss
• Personal Property limit is increased to 75% of the dwelling limit and is insured for replacement cost
• Tree Removal coverage is provided up to $1,000
• Lock Replacement coverage is provided up to $500
• Coverage is provided for loss by Earthquake
• Credit Card, Forgery, etc. limit is increased to $5,000
• Enhanced Sewer “Back-Up” Coverage provides coverage for damage caused by water which backs up through sewers or drains, up to the dwelling limit on the home
• Loss due to theft of guns or jewelry is increased to $5,000 ($2,500 per item)
• Personal Injury Coverage provides protection for lawsuits resulting from allegations of libel or slander
• Golf Cart Liability provides coverage for liability resulting from the operation of a golf cart on or off the golf course
• Policies are written with a $500,000 minimum liability limit and $1,000 minimum deductible

Equipment Breakdown & Service Line:

Your home depends upon equipment like electrical panels, HVAC systems, as well as media equipment and appliances. Here are just some of the types of equipment covered by Home Systems Protection coverage for mechanical and electrical breakdowns:

• Electrical power panels
• Emergency power generators
• Security and fire alarm system
• Electric garage doors and gates
• Heating boilers and hot water heaters
• Furnaces, heat pumps
• Solar heating systems
• Central air conditioning and fans
• Well pumps
• Pool and spa equipment
• Exercise equipment
• Kitchen and laundry appliances
• Media equipment

Service Line Coverage – For the home’s exterior underground utility exposures your home depends upon its underground utility pipes and lines. Service Line provides coverage for leak, break, tear, rupture, collapse or arcing of a “covered service line” possibly caused by root infiltration, freeze, electrical arcing, wear and tear, rust, corrosion, or other defined causes of loss. Here are just some of the types of underground service lines and pipes covered:

• Water
• Sewer/waste disposal
• Gas or propane
• Other heating including geothermal
• Electrical lines
• Communication lines
• Drainage

Identity Recovery Coverage:

Identity Recovery Coverage combines identity theft insurance with services that help victims restore their credit history and identity records to pre-theft status. These services include:

• Identity Recovery Services
• Identity Theft Help-Line
• Case Manager Service
• Expense Reimbursement Coverage

Identity Recovery Coverage FAQs
Claim Scenarios for Homeowners

There is a Loudoun Mutual agent in your area ready to help you become a policyholder; contact one today!

This summary is intended for informational purposes only and does not modify or invalidate any of the provisions, exclusions, terms or conditions of the policy and endorsements. For specific terms and conditions, please refer to the coverage form.