Homeowners

Protecting your home and your belongings is one of our top priorities. We offer homeowners insurance that combines the coverage of your home, the contents of your home and the loss of use. In a homeowners package, there are four exposures that are covered. These coverages are listed below.

Coverage A — Dwelling: Under the first coverage category, the physical dwelling is covered.
This includes rooms, fireplaces and flooring. Detached garages and structures are not included
in this coverage however, garages that are attached to the dwelling are covered.

Coverage B — Other Structures: Insures structures not attached to the dwelling in Coverage A.
Sheds, detached garages, guest houses, pool houses and fences are just some of the structures
that are covered under this category.

Coverage C — Personal Property: Included in your homeowners policy is coverage for the
contents of your home. To better illustrate what this means, consider tipping your home upside
down and shaking the dwelling. Everything that would fall out—couches, tables, beds, electronics,
etc, would be covered under this coverage. Specific coverages are available for non-scheduled
valuables such as jewelry, coins and electronic data.

Coverage D — Loss of Use/ Additional Living Expenses: Coverage D reimburses your living
expenses if you are living away from home because of a covered loss, such as a fire or object
falling on your home. This category will apply if your home is deemed uninhabitable while it is
being repaired.

Personal Liability - This portion of your homeowners provides coverage against a claim or lawsuit against you because of your personal activities on or off your property. This can include property damage or bodily injury. Personal liability protects not only yourself but family members that live with you as well.

Medical Payments - Our homeowners policy also covers medical expenses paid to those who are accidently injured on your property regardless of fault. This coverage does not apply to family members who live with you.

Additional Coverages are available and in some cases recommended for valuables. Although
Coverage C—Personal Property does cover some losses, often the amount covered does not reflect the replacement value of the item. In those instances we recommend purchasing a rider. A rider is an attachment to a policy that lists specific items that are fully covered. Examples of a rider include engagement rings, furs, collectables and fine art. Riders are usually inexpensive and a good way to ensure that your valuables are fully insured.

All products, coverages, and options are not available in all states, and eligibility requirements will apply. Products and services referenced in this Web site are provided through multiple companies. Each company has financial responsibility only for its own products and services and is not responsible for the products and services provided by the other companies.

Life insurance and annuities are issued through American National Insurance Company, Galveston, Texas. or Farm Family Life Insurance Company, Glenmont, NY.

Personal lines and services are made available through American National Multiple Line Exclusive Agents and may be underwritten by American National Property And Casualty Company (ANPAC^®), Springfield, Missouri or one of its subsidiaries or affiliates: American National General Insurance Company; Pacific Property And Casualty Company (California residents); ANPAC Louisiana Insurance Company (Louisiana residents); American National Lloyds Insurance Company and American National County Mutual Insurance Company (Texas residents).

Commercial insurance is issued through Farm Family Casualty Company, Glenmont NY in CT, DE, MA, ME, NH, NJ, NY, RI, VA, VT and WV and United Farm Family Insurance Company in MD and PA.

Tax issues that may be discussed are subject to change, and this is for your information only. Discussion of such issues does not constitute tax or legal advice. Please consult your tax advisor, attorney or CPA for guidance on all tax matters.

These brief descriptions of coverages available are for illustrative purposes only, and are not intended as a statement of contract. For actual terms and conditions of coverage provided, refer to your insurance policy or for more information about coverage options and availability, talk to your American National agent. Eligibility guidelines apply. American National Family of Companies reserves the right to discontinue programs at any time.

This site may have links to sites not maintained by American National Insurance Company, its subsidiaries or affiliates. Such links do not imply endorsement or approval of these sites or the content therein by American National, its subsidiaries or affiliates.