Homeowners
- Offering full uncapped replacement cost coverage-Rebuilds home and other structures at existing property after a total loss –even if the cost exceeds the policy limit; if the land is unusable, coverage is available at a new location
- Cash settlement option-Offers replacement cost up to dwelling limit in cash if not rebuilding after a total loss
- Replacement cost contents settlement
- Flexible limits-Flexibility to tailor coverage limits –increase or decrease –for personal property and other structures
- Loss of use-Unlimited loss of use coverage to maintain standard of living while home is being repaired; includes cost of evacuating family and kenneling pets.
- Medical expenses-Pays for bodily injury medical expenses to a third party as a result of an accident caused by you or a domestic pet, or an accident occurring on your property –does not reduce limit of liability.
- Mold-Covers losses due to mold or bacteria; options up to 100 percent of dwelling limit available.
- Sewer, drain back-up– Covers backup of sewers and drains due to surface water (not flood); provided without a separate deductible or sub limit.
- Deductible waiver– Waives deductible for losses over $50,000 in most cases if deductible is $25,000 or less.
- Identity fraud– Covers expenses due to identity fraud.
- Kidnap expenses– Pays cost of private investigators, attorneys, travel, and lost income.
- Family security option– Covers expenses and rewards related to home invasion, child abduction, car jacking, stalking, and more.
- Landscaping– Replaces or repairs trees, shrubs, plants, lawn after covered loss.
