Fireman's Fund Insurance Co. has rolled out a home-insurance policy that covers the cost of rebuilding a home to green standards. The new coverage -- which can only be added to Fireman's top-tier insurance policy -- covers the cost of reconstruction with sustainably harvested wood, efficient lighting and plumbing, nontoxic paints and carpeting, and more. The coverage runs an additional $70 a year for a home insured at $1 million, and can be purchased regardless of the greenness of the original dwelling, though owners of previously green-certified homes get a 5 percent discount on their premiums. Fireman's, a division of …
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