Replacement Cost on Personal Property

This endorsement protects the customer from receiving a depreciated value for their personal property. Instead, contents will be replaced with new items of like kind and quality.

Fire Alarm Credit

Policyholders may receive a discount for having protective items such as fire/burglar alarms and/or fire sprinkler systems.

Companion Policy Discount

For policyholders with current companion products, we offer a discount for their continued patronage.

Earthquake

This covers against a direct physical loss caused by an earthquake or earth movement. You may add this additional coverage for an additional premium. It is subject to a 5% of Coverage A deductible. This coverage is not offered in the state of California.

Increase Wind & Hail Deductibles

By increasing the deductible for these types of losses, the policyholder may lower the cost of annual insurance premium. For example, increasing the regular $500 deductible to a $1000, 1% or 2% may decrease the annual premium significantly.

Water Back up and Sump Overflow

Covers up to $5000 for direct physical loss due to water backing up through sewers or drains and water which overflows from a sump.  This is not a flood coverage, which requires a separate policy.

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 that insures jewelry for up to $1000 for the named perils; a customer may chose to increase that coverage to $5000.

Increased Limits on Business Property

For additional premium, this endorsement may increase the coverage for "business" property on the "residence premises."

Scheduled Personal Property

For an additional premium, 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 would be covered for the appraised value.

Special Computer Coverage

For an additional premium, this would broaden the coverage for your computer due to direct physical loss. For example, if the policyholder drops a glass of water on the computer, this would be covered. This endorsement is subject to the policy deductible.

Identity Theft

This endorsement covers up to $15,000 for expenses incurred by the insured as a direct result from identity theft. The policy deductible is $250.

Loss Assessment Coverage

Specially designed for condominium owners, this coverage provides protection for assessments made by a condominium association resulting from loss to the property. The policyholder can choose the limit of coverage they wish, up to $25,000, if the loss is caused by an insured peril.

Watercraft

This endorsement extends the limit of liability on your homeowner's policy to your watercraft.  This does not cover for the physical loss of the watercraft.

Personal Injury

With this endorsement, you can extend the limit of liability on your homeowner's policy to cover you against libel, slander, and invasion of privacy.