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Check out these options!
Have some specific needs you want to add to your policy? We have a bunch of individual options
to choose from. Remember, not all of these options are available with all of our
homeowners coverages. Check with your agent for all
the details.
- Replacement cost coverage—personal property With this coverage, you upgrade
your policy so that your contents are replaced with new at similar quality, rather than
the actual cash value of your contents. In other words, your five-year-old sofa would be
replaced with a new one, even if the old one was only worth a fraction of the cost of the
new one. (For a more expanded explanation of replacement cost coverage, click here.)
- Total home replacement cost coverage Just like with your personal property, this
option guarantees that your home will be fully rebuilt even if the cost exceeds the amount
of insurance you’ve purchased.
- All risk coverage on contents By adding our Special Personal Property
Endorsement, you can protect everything you own from almost any kind of loss.
- Homeowners Full House Endorsement
Rather than buying a bunch of options separately, you can get a houseful of additional
coverages and higher limits for far less than if you purchased them separately.
- Jewelry, furs, guns and silverware To guarantee that your coverage is in line
with the full value of these more expensive assets, you can insure them separately as
"scheduled personal property."
- Sports equipment Do you own a lot of expensive sports equipment? You can purchase
separate coverage for it to your homeowners or inland marine policy. This coverage is
especially popular among collectors of valuable guns.
- Volunteers Protection Endorsement We offer this endorsement to give you liability
protection while you’re performing work—without pay—for a charitable
organization or the general public.
- Business-in-the-home endorsement An
easy, affordable way to insure your office furniture and equipment, as well as liability
exposures associated with working out of your home.
- All risk computer coverage Protect your hardware and software against virtually
all types of losses.
- Boating accessories Have an older, low horsepower boat? You can add it to your
homeowners policy. Coverage applies to sailboats and motor boats, and includes coverage
for motors, accessories and trailers. If you buy a more valuable pleasure craft though,
consider our Shipmate® policy for a complete boat
insurance package.
- Earthquake endorsement This endorsement expands protection for both your dwelling and its contents if an
earthquake shakes things up.
- Building additions and alterations This coverage gives you higher coverage limits
to apartment dwellers who have made substantial upgrades to a rental unit, and condominium
owners who need more sufficient coverage.
- Loss assessment With this option, you can increase your protection if some type
of community property at your condominium or apartment complex is damaged. And, you can
add coverage for additional locations, and/or purchase coverage for loss assessment
resulting from earthquake damage.
- Rental to others If you regularly rent your condo or apartment to others, you can
purchase an endorsement that provides property and liability coverage while the unit is
occupied by your tenants.
- Theft coverage If you have a home under construction that’s not yet
occupied, this coverage provides up to $4,500 for theft. Materials and supplies used to
construct the home are also covered up to 120 days.
If you haven’t found what you’re looking for or if you have additional
questions, contact an agent in your area. Or, get in
touch with our office nearest you.
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