Our Clients!

Professionals who conductincidental business activities

at their residence

Traditional Homeowners

Landlord or InvestmentProperties

Condo/Apartment Owners

Renters

LLC’s or Corporationsthat own a residence

“Home Sharers”(e.g., Airbnb)

GUARDBerkshire Hathaway

Companies

Insurance

Berkshire Hathaway GUARD’s Homeowners products provide all of the

traditional property and liability coverages you need to protect your

residence, assets, and overall way of life. From replacement of property

stolen or damaged by fire, severe weather, etc. to financial assistance for

unexpected liability issues, our products are the perfect solution for

owners and occupants of one- to four-family residences, town houses,

row homes, condo units, and more!

Comprehensive.

� an “Agent Auto Bundle” (Personal Auto Policy with submitting agency)

� other policies with Berkshire Hathaway GUARD

� properly maintained protective devices

� a newly purchased home (with a copy of your inspection report)

� a new construction or recently renovated residence

Since we recognize that not all of our customers are the same, we offer a

variety of discounts for certain circumstances such as:

Affordable.

Practical.

If you don’t need certain coverages, no problem. If you are seeking a

higher level of protection, we offer a variety of Add-Ons and a unique

Personal Property Plus Endorsement Package that extend coverage,

increase limits, and even fill certain gaps between personal and business

exposures. Our aim is to customize a home insurance solution that

includes all or a combination of the options found on the reverse side of

this brochure.

As a policyholder with us, you’ll have free access to valuable risk-

management resources that offer practical tools and advice on

maximizing your home’s efficiency, saving you money, and helping to

protect systems that run your home.

Customizable.

Berkshire Hathaway GUARD Insurance Companies are rated A+

(“Superior”) by A.M. Best and ultimately owned by the Berkshire Hathaway

group one of the strongest companies in the world. This relationship

should instill every confidence in you that our coverage is secure, claims will

be handled fairly and promptly, and you will benefit from a level of expertise

that is truly second to none in our industry.

�

Secure.

Homeowners/Renters

The Perfect Insurance Solution for . . .

Not all Berkshire Hathaway GUARD Insurance Companies provide the products described herein nor are all products, coverages, discounts, and dividends available in all states. This information is intended to

presentageneraloverviewfor illustrativepurposesonly.

AmGUARD EastGUARD NorGUARD WestGUARD Insurance Companies� � �

Our Clients!

(See our client list on the left.)

Below are just a few of the many enhancements that can be added to your

policy to secure extra financial protection. We suggest you talk with your

insurance agent about the optional coverages that might be right for you.

Base Policy

Add-Ons

Our base policy protects your residence and other structures* as well as your

personal property and liability expenses. Traditional coverages for debris

removal, fire department service charge, and others are automatically

included.

With our Homeowners coverage, policyholders can receive a 30% discount on

the purchase of a Guardian Leak Prevention System qualify for a

premium discount.

and

Personal Umbrella Policy*Lawsuits and other losses associated with a home can be financially

devastating. Berkshire Hathaway GUARD’s Personal Umbrella Policy offers

liability coverage above and beyond the limits of our standard Homeowners

products, helping to protect against potentially catastrophic situations.

Furthermore, our Personal Umbrella policy will extend over your Auto Liability

coverage with any carrier rated A- or better!

*Not available in CT. CA coming soon.

� Assisted Living Care

� Additional Insured - Student Living Away

� Alternative Water and Energy Utility Expense (CA only)

� Home Day Care Coverage - up to three children

� Foundation Coverage (TX only)

� Identity Fraud Expense

� Incidental Business Activities

� Business Entity - for residences owned by LLCs or corporations

� Home Systems Protections

� Home-Sharing Activities (e.g. Airbnb)

� Earthquake

� Incidental Low Power Recreational Motor Vehicle Liability

� Dwelling Rental Activities - for homes used as rentals

� Business Pursuits

� Inflation Guard

� Limited Fungi, Wet or Dry Rot, or Bacteria

� Personal Injury

� Refrigerated Property Coverage

� Scheduled Personal Property

� Service Line Coverage

� Sinkhole Collapse

� Water Damage (TX only)

Contact a Berkshire Hathaway GUARD insurance agentfor more details, including information about

our other coverages!

Berkshire Hathaway GUARD Insurance Companies P. O. Box A-H, Wilkes-Barre, PA 18703-0020 www.guard.com· ·

Only the relevant insurancepolicy/iescanprovidetheactual terms,coverages, amounts,conditions,andexclusions foran insured. ©WestGUARDInsuranceCompany. Allrightsreserved. February2019.

Personal PropertyPlus Endorsement

Package

Save 60%on the premiums normallyassociated with our most

popular coverage upgradeswhen our unique

endorsement package isselected!

Personal PropertyPlus Endorsement

Package

*Excluding Renters Insurance

G U A R D I A NBY ELEXA

TM