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.
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
Additional coverage on outbuildings
Adds coverage for earthquake damage
Federally subsidized flood insurance from the National Flood Insurance
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
Pays the full replacement cost of most personal property without the
usual deduction for depreciation
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.
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
On specific items of jewelry, fur, art, musical instruments, other
valuables, small boats
CONSIDER HIGHER LIMITS
Increase from $100,000 to $300,000 or $500,000 for a modest additional
PERSONAL INJURY COVERAGE
Pays for non-bodily injuries like libel, slander, defamation of
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