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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.

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.

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

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