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"Open Perils" coverage for your personal property. This means that it covers losses from any cause that is not specifically excluded. Most policies provide coverage only for those
causes actually listed.
Replacement Cost coverage for your personal property, meaning that no reduction is made in your loss for depreciation...in other words, we replace old for new.
Building Code, Law or Ordinance
coverage at NO additional cost to you. When your covered loss is made greater because of the building codes, laws or ordinances which apply in your area, you will be paid for the additional costs incurred, up to the limit of liability.
Home Computer Coverage for computers and software on a replacement cost, "open perils" basis, including electrical damage and power failure.
Optional coverages are also available.
Home Business Endorsement
Our Homeowners policy can be endorced to include many home-based businesses.
Increased Limits for Specific Property
- furs, jewelry, silverware, money, credit card, computers, tenant's improvements and betterments and more --- the Tenant/Renters policy has limits for each of these types of personal property, but these limits can be increased. We even make it possible for you to insure certain items, such as fine arts, cameras, golf equipment, and other property with specifically described values.
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