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Homeowners insurance...... broad, flexible protection for your home... and YOU!

As a homeowner, you know you can't afford to be without homeowners insurance. Burd and Rise offers varying levels of homeowners protection that can protect both your home and its contents.

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Insurance For:	Discounts For:	Optional Coverages For:
Homes Rental homes Mobile homes Condominiums Renters (contents)	Mature home owners and renters Multiple Policies Protective devices (smoke alarms, dead bolt lock and fire extinguishers) 100% replacement cost Seasonal dwellings Dwellings under construction Renovated or new homes	Jewelry Furs Boats Snowmobiles Golf and other sports equipment Personal Computers Back-up of sewer and sump pump Food spoilage from power outage Flood Earthquake Personal umbrella liability

Whether you own a house, a condominium or rent an apartment, for most people their home is their most important investment. We believe that an insurance company should do more than pay for financial losses incurred in the home: It should help prevent losses and accidents, and offer policies flexible enough to meet your individual needs. And above all, it should provide you with the security that comes only from the knowledge that your home is safe.

For this reason, the companies we represent continue to receive the highest ratings from the insurance industry's leading analysts and rating authorities.

We can offer you...

Many coverages to protect you and your property.
Responsive and caring claims service.
Property and liability insurance at an affordable price.

What is protected under a homeowners policy?

Your home and garage
Your personal property such as furniture, clothing and applicances
Other structures on your premises such as a permanent utility shed or an in-ground swimming pool
Additional living expenses, over your usual expenses, when your home is uninhabitable because of a covered loss
Liability arising from lawsuits for bodily injury or property damage as well as the cost of legal defense
Medical payments which may be necessary because of injuries suffered by others, either on your premises or by your actions

The Policy Also Covers:

Trees, shrubs and plants
Damage to property of others
Watercraft liability for some boats
Tree debris removal
Credit cards and fund transfer cards
Check forgery

(Above subject to limitations)

What property perils are covered?
Fire and Lightning Vandalism Hail Windstorms and Tornadoes Smoke Theft Vehicle damage Aircraft Explosions Strikes and Riots	Glass breakage Falling trees Water damage Weight of ice and snow Freezing of plumbing Electrical damage to appliances Damage to dwelling from chemicals Any other accidental damage to building (subject to exclusions)

What optional coverages are available?
Special Personal Property Coverage	Adds coverage for additional risks of loss for personal property.
Personal Property Replacement Cost	Provides replacement cost coverage for your personal property if it is stolen or damaged by a covered peril. This coverage replaces old contents with new.
Homeowners Plus	A package of valuable coverages which protects you from the following types of loss: Food spoilage resulting from power outage or mechanical failure to your refrigerator or freezer Glass breakage - waiving of your deductible up to $250 Property damage caused by backup of your sewer or sump-pump Mortgage Extra Expense
Professional Injury Liability	Protects you from lawsuits, liable, slander, defamation of character, wrongful entry and eviction.
Guaranteed Home Replacement	Full replacement cost of your home, even if cost exceeds amount of insurance (some limitations apply)
Earthquake Damage	Covers damage to your property resulting from an earthquake.
Scheduled Personal Property	Protects those treasured possessions for their full value against most causes of loss. Some items which deserve this coverage are jewelry, musical instruments, furs, silverware, fine arts, personal compters, boats or recreational vehicles.
Recreational Watercraft Liability	Covers your liability for outboards, inboards, inboards/outboards, waterjets and sailboats, snowmobiles, and all terrain vehicles.
Additional Residence Premises Liability	Provides liability for one to four family rental dwellings you may own or rent to others.
Incidental Business Liability	Provides coverage if you use your home or outbuilding for certain incidental occupancies. In addition to liability coverages related to business, the policy also covers business property located at or away from the residence.

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PO Box 297
Halstad, MN 56548
(218) 456-2172
(800) 566-2172
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Burd and Rise Insurance