IMPORTANT NOTE:  This web site provides only a simplified description of coverages and is not a statement of contract.  Coverage may not apply in all states.  For complete details of coverage, conditions, limits, and losses not covered, be sure to read the policy, including all endorsements, or prospectus, if applicable.  Coverage can not be bound , amended, or altered by leaving a message on or relying upon information in this website or through e-mail.