OTHER STRUCTURES Additional coverage on outbuildings
Adds coverage for earthquake damage
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
Food spoilage resulting from power failures
TREE DEBRIS REMOVAL
Covers even when there is no damage to covered property
The broadest type of coverage available for personal property.
INCREASED LIMITS ON PROPERTY SUBJECT TO SPECIAL LIMITS
Cash, coins, stamps, watercraft, grave markers, jewelry, furs, firearms, silver, business property at home
On specific items of jewelry, fur, art, musical instruments, other valuables, small boats
PERSONAL INJURY COVERAGE
Pays for non-bodily injuries like libel, slander, defamation of character
Covers certain at-home businesses and home office occupancies.
Extends liability for dwellings rented to others
Covers injury or damage caused by watercraft
$1 million or more over and above your homeowners and auto liability coverages