Coverage Enhancements Available
Increase the value of your homeowners coverage by individualizing it to your specific lifestyle and needs. Following are descriptions of some of our most popular policy endorsements and supplemental coverages. Note: Not all coverages are available from all companies.Building Coverages
DWELLING REPLACEMENT COST PROTECTIONPays increased cost of construction even if it exceeds the amount of insurance on the house.
(Does not include upgrades required by new building codes - see ordinance or law coverage below)
OTHER STRUCTURES
Additional coverage on outbuildings
EARTHQUAKE
Adds coverage for earthquake damage
FLOOD
Federally subsidized flood insurance from the National Flood Insurance
Program
ORDINANCE OR LAW COVERAGE
Pays the increased cost of construction attributable to new building
codes. A must for older homes.
WATER BACKUP AND SUMP OVERFLOW
Personal Property Coverages
REPLACEMENT COSTPays the full replacement cost of most personal property without the usual deduction for depreciation
REFRIGERATED PRODUCTS
Food spoilage resulting from power failures
TREE DEBRIS REMOVAL
Covers even when there is no damage to covered property
"SPECIAL" COVERAGE
The broadest type of coverage available for personal property.
COMPUTERS
Special Items Require Special Attention
INCREASED LIMITS ON PROPERTY SUBJECT TO SPECIAL LIMITS
Cash, coins, stamps, watercraft, grave markers, jewelry, furs,
firearms, silver, business property at home
"FLOATER" COVERAGE
On specific items of jewelry, fur, art, musical instruments, other
valuables, small boats
Liability Coverages
CONSIDER HIGHER LIMITSIncrease from $100,000 to $300,000 or $500,000 for a modest additional premium
PERSONAL INJURY COVERAGE
Pays for non-bodily injuries like libel, slander, defamation of
character
BUSINESS PURSUITS
Covers certain at-home businesses and home office occupancies.
RENTAL PROPERTIES
Extends liability for dwellings rented to others
WATERCRAFT LIABILITY
Covers injury or damage caused by watercraft
PERSONAL "UMBRELLA"
$1 million or more over and above your homeowners and auto liability
coverages