Home Insurance Optional Coverages
Replacement Cost on Dwelling
This endorsement increases the selected coverage limit on your home to better
accommodate an insured's needs.
Replacement Cost on Personal Property
This endorsement protects the insured from receiving a depreciated value for
their personal property. Instead, contents will be replaced with new items of
like kind and quality.
Earthquake
This covers against a direct physical loss caused by an earthquake or earth
movement.
Escaped Liquid Fuel Remediation
This provides additional coverage for damages at an insured home caused by escaped
home heating oil.
Ordinance of Law
This provides additional coverage for a covered loss to respond to the increased
costs of construction due to a building code or ordinance update.
Increased Limits on Other Structures
Provides additional limits for Other Structures if needed
Water Back up and Sump Overflow
Coverage for specified limit for direct physical loss due to water backing up
through sewers or drains and water which overflows from a sump
Increased Limits on Personal Property
This endorsement offers the insured the ability to increase certain personal
property coverages from the standard homeowner's limit. For example, a basic
homeowner's policy typically insures jewelry for up to $1000 for certain losses;
a customer may chose to increase that coverage.
Increased Limits on Business Property
This endorsement may increase the coverage for "business" property
on the "residence premises".
Scheduled Personal Property
High Valued Items may need this additional coverage. We offer open perils coverage
for items such as jewelry, furs, cameras, musical instruments, silverware, fine
arts, and golfer's equipment. Not subject to a deductible, these items may be
covered for up to the appraised value.
Special Computer Coverage
Broadened coverage for your computer due to direct physical loss. For example,
if you drop a glass of water on the computer, the resulting damage would be
covered
Identity Theft
This endorsement provides coverage for additional covered expenses incurred
by the insured as a direct result from identity theft.
Watercraft
This endorsement extends the limit of liability on your homeowner's policy to
your watercraft.
Personal Injury
This endorsement extends homeowner liability coverage to provide coverage to
cover you against such things as libel, slander, and invasion of privacy.
Umbrella Liability
This endorsement Extends a higher liability limit and broader liability coverage
over your home and your auto policy as a "second line of defense"
after the underlying home or auto policy liability limits are exhausted.
Interested in reviewing Frequently asked questions? Or would you like to submit your own question to us?
To read more on home insurance coverage, click on one of the links below.
Home Insurance Optional Coverages
Home Insurance Savings Options
Home Insurance Frequently Overlooked Limitations
