HOME SHARING
Have greater peace of mind knowing your personal property is protected in the event of a theft or damage while sharing your home.
WATER BACK-UP
Pays for water damage caused by backed up sewers, drains or sump pumps.
SCHEDULED PERSONAL PROPERTY
Provides increased coverage to your homeowners policy and may increase the limits on specific, high-value items like jewelry, fur and art.
BUILDING STRUCTURE REIMBURSEMENT EXTENDED LIMITS
Covers costs above the limits of your coverage if you repair, rebuild or replace damaged or destroyed covered property.
OPEN PERIL CONTENTS
Broadens coverage to provide additional protection against loss to contents.1
IDENTITY THEFT EXPENSE
Covers expenses resulting from identity fraud, such as lost wages and loan application fees.
PERSONAL INJURY
Covers claims such as libel, slander, invasion of privacy, false arrest, humiliation or defamation of character.
BUILDING CODE COVERAGE
Pays to rebuild your home with current building regulations after a covered incident.
COUNTRY ENDORSEMENT
Increases your coverage for incidental farming.
DATA RECOVERY
Covers recovery of lost data, like family photos, videos and music, from computers in the event of a covered loss.
EXTENDED PREMISES ENDORSEMENT
Provides extended protection for 2 – 4 family dwellings.
FAIR RENTAL INCOME
Pays the rental value of a building that is usually rented if it is uninhabitable due to damage caused by a covered loss.
TOY VEHICLE AND GOLF CART
Adds liability and property damage coverage for golf carts and children’s powered toy vehicles.2
FIRE DEPARTMENT CHARGES
Increases limits beyond the base policy for the fee a fire department may charge when responding to a call after a covered incident.
YARD AND GARDEN
Increased limits for the replacement of damaged trees/shrubs and debris removal as well as motorized land vehicles such as riding lawn mowers.2
LOSS ASSESSMENTS
Covers the repair assessment if something happens to your Homeowners Association’s shared buildings or common areas due to a covered loss.
FUNCTIONAL REPLACEMENT COST
Covers the cost to repair or replace your home with modern construction materials and methods.
DWELLING IN THE COURSE OF CONSTRUCTION2
Covers the replacement cost of a home that is undergoing construction.
BUILDING MATERIALS THEFT
Adds coverage for the loss of building materials during a remodel or general construction on a home.2
HOME DAY CARE
Adds liability and property damage protection for those that provide childcare in their home.2
