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Elite Homeowners Policy

You Worked Hard for Your Home. We'll Work Hard to Keep It Protected

Utica First Elite Homeowners Policy.

  • Do you own a NEWER home?
    (under 20 years)
  • Is it insured for at least $250,000?
  • Is your home in a protected area?
    (within 1,000 ft. of a hydrant)
  • Have you had a good claims experience?
    (We allow one loss under $20,000 within the last 3 years)

You Deserve Elite Coverage

Utica First would like to make you an Elite Homeowner! For customers who qualify, we offer a unique Homeowners Policy that delivers a great combination of important coverages at an affordable cost.

You Rate Elite Treatment

The Utica First Elite Building and Contents Form 5 treats your most valuable possession - your home - in a very special way. Key features include:

  • Contents covered at Guaranteed Replacement Cost
  • Guaranteed Replacement Cost on Building (up to 125% of Coverage A limit) available for a minor charge
  • Coverage for Refrigerated Food Spoilage (up to $500)
  • Personal Liability at $100,000 with $1,000 Med Pay (higher limits available)

Our coverage form is one of the broadest available. Your home, contents and other structures are covered against all risks of physical loss which are not specifically excluded in the policy.

Note: Coverage highlights for information only. Consult actual policy for precise coverage applicable.