Homeowners Insurance Coverage

Homeowners insurance policies typically provide basic protection for your property. But they may not provide all of the protection you want or need. Consider these additional homeowners insurance coverage options to tailor a policy that’s right for you.

Scheduled personal property

Provides additional homeowners insurance coverage for high value items such as jewelry, watches, antiques and fine art.

Replacement cost plus

Can pay up to an additional 20 percent of the home coverage limit if there is a total loss of your home – and additional money is needed to rebuild.

Extended replacement cost on contents

Pays to replace or repair personal property without depreciation being taken from the value of the property.

Water backup of sewer

Broadens the coverage for loss due to water backup through sewers or drains.

Ordinance or law

Pays for increased expense to rebuild due to current building codes or ordinances.