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 PROTECTION
Pays 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 COST
Pays 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 LIMITS
Increase 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