Animal liability provides coverage up to $25,000 and medical payments of $2,000. Certain restrictions apply and are noted in your insurance policy.
Personal Property Replacement Cost
Selecting Replacement Cost on Personal Property / Contents would allow you to purchase a brand-new item to replace your lost one. If you do not select this coverage, you will receive the fair market value of the item at the time of the loss.
Increased Limits - Premium Special Packages
Plus, Gold, and Platinum Premium Packages offer increased coverage limits for money, credit card/forgery, jewelry/furs, personal injury, personal liability, medical payments, water back-up & sump overflow.
Permitted Incidental Occupancy
Provides coverage for certain businesses conducted by an insured on the property. Examples of permitted incidental occupancies include offices, schools or studios meaning offices for business or professional purposes, and private schools or studios for music, dance, photography and other instruction purposes.
Provides coverage against a loss resulting from an earthquake.
Scheduled Personal Property
Additional coverage that's over and above the typical coverage in a homeowners' insurance policy. Scheduled personal property protects valuable items that are out of the ordinary and need to carry separate coverage to ensure that their full value is covered in the event of a claim.
Provides Golf Cart personal property coverage up to $5,000.
Screened Enclosure, Carport and Awning Coverage (HO-3 Only)
The policy includes $10,000 of the Coverage A for losses to screened enclosures, aluminum-framed carports or awnings. It may be increased in increments of $10,000 up to a maximum of $50,000.
Identity Theft Expense Coverage
Pays for expenses incurred by an insured as a direct result of any single identity theft or fraud first discovered or learned of during the policy period and provides coverage up to a limit of $25,000.
Jewelry and Furs Coverage– Increased Special Limits
Provides increased Coverage C limit for Jewelry and Furs based on amounts selected.
Limited Fungi, Wet or Dry Rot, Yeast or Bacteria Coverage Increased Limits (Section 1)
Provides coverage to pay for loss to covered personal property that is damaged by fungi, wet or dry rot, yeast or bacteria in the home up to the coverage limit.
Limited Fungi, Wet or Dry Rot, Yeast or Bacteria Coverage Increased Limits (Section 2)
Provides coverage to pay for damages because of bodily injury or property damage involving the inhalation of, ingestion of, contact with, exposure to, existence of, or presence of any fungi, wet or dry rot, yeast or bacteria up to the coverage limit.
Silverware Coverage – Increased Limits
Provides increased Coverage C limit for Silverware based on amount selected.
Protects homeowners from structural damage to their home resulting from confirmed sinkhole activity. Sinkhole coverage is different from Catastrophic Ground Cover Collapse coverage, which is typically covered by your homeowner's policy. Sinkhole coverage may be added at new business or renewal after inspection. Certain restrictions apply and are noted in your insurance policy.
Loss Assessment Increased Limits
Provides coverage when you are assessed for certain kinds of covered losses up to the stated coverage limit.
Water Backup and Sump Overflow
Protects against direct physical loss caused by water which backs up through sewers or drains.
Ordinance or Law Coverage
Provides coverage for loss caused by the enforcement of laws and ordinances regulating construction and repair of damaged buildings. The basic coverage limit is 25% of Coverage A and may be increased to 50% of Coverage A.
As a homeowner or renter, it’s imperative that you protect your property from disasters that may occur in your area. As one of the most likely disasters in the U.S., floods can strike anywhere. Even if your region isn’t considered a likely area for flooding, you may want to consider the option of flood insurance.