The Home & Family policy is a unique plan which allows you to select only the coverages needed, desired or for which you qualify. It can vary from a simple policy providing only Fire & Lightning, to a policy that is similar to a Homeowners or Farmowners.

Optional Perils Covered:

1. Fire & Lightning
2. Windstorm or Hail
3. Explosion
4. Riot or Civil Commotion
5. Aircraft
6. Vehicles
7. Smoke
8. Vandalism or Malicious Mischief
9. Falling Objects
10. Weight of Ice, Snow, or Sleet
11. Accidental Discharge or Overflow of Water or Steam
12. Sudden & Accidental Tearing, Cracking, Burning, or Bulging
13. Freezing
14. Breakage of Glass or Safety Glazing
15. Theft

Offered In:

• Arizona
• Idaho
• Oregon
• Utah

Oregon Customers: United Heritage Property & Casualty Company considers wildfire risk in determining eligibility. In some cases, homes that would not otherwise be eligible due to wildfire risk may become eligible for coverage if mitigation actions such as using fire-resistant roof materials, clearing all roofs, gutters and downspouts of debris and clearing all areas within 5 feet of the dwelling of all combustible materials including vegetation are completed.