Ark Royal offers several types of insurance to meet your needs, all with the benefits of the superior financial strength of Ark Royal, as well as the unsurpassed claims handling and service of ASI.

HOMEOWNERS INSURANCE
Ark Royal provides comprehensive property and liability coverage to homeowners and condominium unit owners through two types of the homeowner policies.

Owner-Occupied Homeowner Coverage/HO3
For single-family homes that are occupied by their owners, this policy provides insurance related to most risks, such as fire, wind and lightning. It provides coverage for:

• The replacement value of your home and other structures,
• Personal property,
• The loss of use of your home until it can be reasonably repaired, and
• Personal liability coverage and medical payments to others.

There are also several additional coverage options available, which your agent will discuss depending upon your needs.

Condominium Coverage/HO6
This policy provides protection for owners of condominium units, as long as the owner lives in the property for at least four months each year. This policy covers:

• Contents and permanently attached building items inside the condo unit,
• Personal liability coverage and medical payments to others.

Additional coverage options are available depending on your needs.

DWELLING FIRE INSURANCE/DP3
This policy provides coverage to seasonal, secondary or rental properties. Since many rental property owners do not need the same type of coverage as provided by homeowners insurance, this policy is not written as a package, so you can purchase only the coverage you need. The policy offers:

• Tailored coverage for the needs of the property owner or tenant,
• Coverage for up to four homes or condominium units, and
• Ability to add additional options, such as contents or liability coverage, as desired.

OTHER
Through our partnership with ASI, Ark Royal customers also have access to other quality insurance coverage, including flood, excess flood and umbrella policies.