It’s more than just home insurance – it’s part of your financial security.

If you’re like most people, your home is your most valuable asset, and you want to know it’s properly protected. You also need coverage for situations in which you could be held personally liable for injury to others or damage to their property. That’s why folks like you buy home insurance from the Cotton States Insurance® group and its affiliates.1

Choose from one of these coverage options for the property protection you want:

OUR PREMIER COVERAGE

Risk of Direct Physical Loss is our most comprehensive coverage. It provides protection for both your home and personal property from direct loss due to all perils, except those specifically excluded in
the policy.

COMBINATION

This coverage is a combination of our Risk of Direct Physical Loss and Broad Form coverages. It protects your home itself from direct loss due to all perils except those specifically excluded in your policy, and provides Broad Form coverage for your personal property.

BROAD FORM

Broad Form coverage protects your home and personal property from hazards specifically listed in the policy, such as fire, windstorm and vandalism.

ADDITIONAL COVERAGES

Cotton States also offers you a variety of home insurance extras such as:

  •  Inflation Protection
  • Earthquake Protection
  • Sump Pump Failure/Backup of Sewer or Drain
  • Additional Living Expenses when you can’t live in your residence due to a covered loss.
  • Recreational Motor Vehicle and Watercraft Coverages
  • Improved Coverage for Any Valuable Items you would like to specifically list.
  • Package of Special Coverages to insure your trees, shrubs, plants, lawns, and refrigerated products; plus provide coverage for debris removal, credit cards and forgery, and fire department service charges.
  • Additional Replacement Cost on qualifying homes, which will pay full replacement cost even if the amount of loss is greater than the limits on your policy. Cotton States is one of the few companies to offer this unlimited coverage.
  • Extended Replacement Cost on qualifying homes, which will pay full replacement cost up to 120% of the limits on your policy.
  • Flood Insurance through the National Flood Insurance Program.
  • Identity Theft Coverage for advocacy services and certain expenses resulting from an account takeover or identity theft (may vary by state).

SAVE YOURSELF SOME MONEY!

Your home may qualify for these significant discounts2 :

Alarm Credits

When you equip your home with fire and theft-prevention devices.

Newer Home Discount

—the newer the home, the greater the discount.

Safe Heat Discount

if your home does not have a woodburning unit, or has a built-in fireplace without a fireplace insert.

Multi-Policy Discount

if you purchase home insurance plus a qualifying auto, life, disability income or long term care policy.3

Ask a Cotton States agent about other ways to save money on your home insurance.


1 Policies issued by Cotton States Mutual Insurance CompanySM, Atlanta, GA or COUNTRY Casualty Insurance Company®, Bloomington, IL.
2 Availability and amount of discount may vary by state.
3 Qualifying life policies issued by Cotton States Life Insurance CompanySM, Atlanta GA, or by COUNTRY Life Insurance Company®, Bloomington IL. Qualifying long term care and disability income policies issued by COUNTRY Life Insurance Company, Bloomington IL.