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Homeowners Insurance Coverage

Your haven, your sanctuary, your safe space. Whatever the name, at PSIC we’ve got your home covered.

Standard Homeowners Insurance Coverage

Our standard Homeowners Insurance coverage provides a solid foundation of protection for your home. These are the key components of the policy for covered losses.

Helps you with the repair or rebuilding of the main structure of your home in the event of fire, windstorms, vandalism, and more. In other words, it will help you cover all the expenses that may arise when fixing your damaged home. It protects the physical building and any attached structure.

Protects your additional buildings on the insured property that are detached from your main building, such as a detached garage, a shed, or a gazebo. It will protect you against damage from similar risks covered for the main dwelling, offering financial help to repair or rebuild these structures if they are damaged by covered events.

Refers to the possessions and belongings owned by an individual that are not permanently attached to the home or dwelling. This includes items such as furniture, electronics, clothing, jewelry, and appliances. Personal property coverage in an insurance policy protects you against loss or damage to these items from covered perils, like theft or fire, and helps cover repair or replacement costs.

Provides financial compensation to policyholders when their home becomes uninhabitable due to a covered peril, such as fire or severe storm damage. It covers additional living expenses incurred if the policyholder needs to live elsewhere temporarily, which may include costs for accommodation, meals, and other necessary services that exceed normal living expenses. The aim is to maintain a comparable standard of living while the primary residence is being repaired or rebuilt.

Provides financial protection if you are found legally responsible for causing bodily injury to someone else or damage to another person's property. For covered losses, it covers legal defense costs and financial judgments against you, up to the policy's limit. This coverage helps to shield your assets from lawsuits or claims that can arise from everyday incidents, whether they occur on your property or as a result of your activities.

Pays for medical expenses for individuals injured on your property, regardless of who is at fault. This coverage is typically available without the need for legal action and is meant to facilitate prompt care for minor injuries, up to the limit specified in the policy. It serves as a goodwill gesture and can help prevent more extensive liability claims.

Optional Homeowners Insurance Coverage

In addition to our standard coverage, we offer optional add-ons to provide extra peace of mind. These coverages allow you to customize your policy based on your specific needs.

Increased dwelling coverage

Extend your dwelling coverage by increasing protection for your main building, detached structures, or both in case you need to repair or rebuild it.

Ordinance or law coverage

Cover the expenses coming from current building code standards in the event of a covered loss.

Water backup coverage

Protect your home and your personal belongings in case water enters your plumbing system and flows into your premises, and you need to repair it.

Service line coverage

Protect your home in the event of a failure in your underground service lines, which can include electrical power, natural gas, internet, and more.

Loss assessment coverage

Protect your payment for shared common area losses, divided among all homeowners in a Homeowners Association.

Animal liability coverage

Protect others in case your pet harms someone or damages their home and you are held responsible for the expenses.

Personal injury coverage

Protect yourself in the event you are legally responsible for causing harm, such as defamation or invasion of privacy.

Identity theft coverage

Protect your personal information and financial security. Get support and resources if your identity is compromised and needs recovery in the event of an identity theft.

Mortgage clause

Ensure your mortgage lender that the property remains adequately insured to satisfy their interests and protect the investment you made in your house.

Mortgage payment protection

Avoid financial burdens in the event you are unable to pay your mortgage due to unexpected circumstances.

Personal computer equipment coverage

Protect both, your computer equipment and all the valuable information or software in it in the event of a theft, fire, or power outage.

Personal cyber protection coverage

Safeguard yourself from digital risks, such as cyber-attacks, online fraud, data breaches, and cyber extortion. Avoid financial burdens when needing to recover data or lost money due to cyber crimes.

Equipment breakdown coverage

Avoid financial impact due to damage or malfunction of home systems and appliances such as broken fridges, televisions, or HVAC systems.

Unscheduled personal property coverage

Extend the protection of your personal property coverage in the event they are lost, stolen, or damaged. Receive reimbursement for its value based on their age and condition, and protect on a higher level recent or unitemized content.

Where Does PSIC Offer Homeowners Insurance Coverage?

At PSIC, we provide Homeowners Insurance coverage in the states of Arizona, California, Connecticut, and New Jersey. To learn more about how you can customize your policy please select your state and see more details about Homeowners Insurance.

We plan to expand our Homeowners Insurance coverage nationwide soon, ensuring all homeowners the benefits of our reliable insurance solutions.

It’s All About Insurance!

Learn more about Homeowners Insurance or other products in the resources section.

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Privacy Notice at Collection for CA employees

Last updated: June 27, 2023

  1. About this Notice. This privacy notice sets out how The McGraw Group of Affiliated Companies collects and uses personal information about you in compliance with our obligations under the California Consumer Privacy Act of 2018 (CCPA), as amended by the California Privacy Rights Act of 2020 (CPRA). This Notice supplements all other privacy policies we have in place.

We take the privacy of our employees and applicants very seriously. Please read this notice carefully as it contains important information on the personal information that we collect, why we collect it, how long we keep it, and that it is not sold to third parties.

  1. Key Terms. The following key terms are used in this notice:
  • We, us, our. The McGraw Group of Affiliated Companies.
  • Personal information. Any information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked with a particular individual.
  • Sensitive personal information. Personal information revealing an individual’s social security number, driver’s license and passport numbers, account numbers and credentials, precise geolocation, racial or ethnic origin, religious beliefs, or union membership, personal information concerning a consumer’s health, sex life, or sexual orientation, contents of a consumer’s mail, email and text messages where the business is not the intended recipient, genetic data, and biometric information.
  • Biometric Information. An individual’s physiological, biological, or behavioral characteristics, including information pertaining to an individual’s deoxyribonucleic acid (DNA), that is used or is intended to be used singly or in combination with each other or with other identifying data, to establish individual identity. Biometric information includes, but is not limited to, imagery of the iris, retina, fingerprint, face, hand, palm, vein patterns, and voice recordings, from which an identifier template, such as a faceprint, a minutiae template, or a voiceprint, can be extracted, and keystroke patterns or rhythms, gait patterns or rhythms, and sleep, health, or exercise data that contain identifying information.

Other terms used but not defined will have the meaning set forth in the CCPA, as amended by the CPRA, Cal. Civ. Code §§ 1798.100—1798.199.100, and accompanying regulations set forth under Cal. Code Regs. tit. 11, § 7000 et seq.

  1. Personal Information We Collect About You. We may collect and use the following categories of personal information about you:

Categories of Personal Information Collected

  • Identifiers: Name, alias, postal address, email address, phone number, account name, social security number, driver’s license number, passport number, or other similar identifiers.
  • Employment-related information such as your job title, salary, benefits information, emergency contact information, references, qualifications, skills and experience.
  • Personal information as defined in Customer Records law: Name, signature, social security number, physical characteristics or description, address, telephone number, passport number, driver’s license or state identification card number, education, professional license number employment history, bank account number, other financial information, medical information, and/or health insurance information.
  • Characteristics of protected classifications under California or federal law such as race, age, sex, familial status, and disability.
  • Audio, electronic, visual, or similar information such as photographs and call recordings
  • Background check information such as your criminal and credit history
  • Inferences are not drawn from any of the information identified above to create a profile reflecting your preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes.
  1. How and Why We Use Your Personal Information. We use your personal information for the following purposes:

Purposes for Collecting and Using Your Personal Information

Managing Human Resource Functions:

  • Recruiting, hiring, and onboarding
  • Performing background checks
  • Implementing diversity and inclusion initiatives
  • Training and career development
  • Assessing performance
  • Determining promotions, transfers, salary, awards, and bonuses
  • Managing disciplinary matters
  • Managing payroll and business expenses
  • Administering leave requests
  • Employee communications
  • Administration of benefits
  • Promoting employee health and safety

Conducting business operations:

  • Budgeting
  • Recordkeeping and reporting requirements
  • Managing infrastructure and company assets
  • Strategic planning
  • Maintaining security and risk management
  • Emergency response and business continuity
  • Conducting audits
  • Pursuing or defending legal or administrative claims

Monitoring:

  • Compliance
  • Use of company resources
  • Any other monitoring activities permitted by applicable laws

Compliance with:

  • Legal and regulatory obligations
  • Court or other government directives
  • Internal policies and procedures

Investigating:

  • Reports of wrongdoing
  • Policy violations
  • Internal complaints
  1. Whether Personal Information Will Be Sold or Shared. We do not sell or share the personal information of employees.
  2. How Long Your Personal Information Will Be Kept. We will keep your personal information for as long as is necessary while you are employed by us. Thereafter, we will keep your personal information:
  • To respond to any questions, complaints or claims made by you or on your behalf or;
  • To keep records required by law. In California, this is currently and generally a minimum of four (4) years.

We will not retain your personal information for longer than necessary for the purposes set out in this notice. Different retention periods apply for different types of personal information.

When it is no longer necessary to retain your personal information, we will delete or anonymize it.

  1. If you have any questions or concerns about this notice or the information we collect about you, please contact send an email to privacy@pacificspecialty.com.