Valuable Items Plus (HO-61) |
- Adds blanket coverage for jewelry, furs, computers, fine arts, guns can be added up to $50,000 total.
- Cameras, musical instruments, silverware, china/crystal can be added up to $10,000 total.
- Will pay up to $10,000 for each item.
- No deductible.
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Enhanced Home Package (HO-85) |
Changes Limits and adds coverage to HO-2, HO-3, HO-5, HO-4, and HO-6.
- Adds personal injury
- Money coverage increased by $100
- Securities increased by $1,500
- Watercraft increased by $1,500
- Jewelry increased by $1,500
- Silverware increased by $1,500
- Business property increased by $500
- Property away from premises increased by $250
- Electronic apparatus on vehicle increased by $500
- Tapes, records, and discs or other media increased by $250
- Adds lock replacement coverage up to $250
- Adds $250 for rewards given to people for stolen items.
- Adds water backup and sump discharge or overflow up to coverage A and C.
- Fire department service charge increased by $250
- Credit card, fund transfer card, forgery, and counterfeit money increased by $1,500
- Loss Assessment increased by $4,000
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Identity Fraud Expense (HO-455) |
- Reimburses up to $25,000 for expenses that are the direct result of identity fraud.
- No deductible.
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Permitted Incidental Occupancies- Residence Premises (HO-42) |
- Changes the personal property coverage for business property to $5,000.
- Medical payments will not apply to employees.
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Permitted Incidental Occupancies- Other Residence (HO-43) |
- Changes the personal property coverage for business property to $5,000.
- Medical payments will not apply to employees.
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Personal Injury (HO-82 |
- Adds liability coverage for personal injury (False arrest, malicious prosecution, slander).
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Loss Assessment Coverage (HO-35) |
- Included in this policy at $1,000.
- Adds coverage for areas owned by neighborhoods or homeowner’s associations that is assessed to you.
- Can be added up to $50,000.
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Green Home (HO-544) |
- Confirms that the home is considered a green home and that the materials used to rebuild the home will be green materials.
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Residence Held in Trust (HO-543) |
- Adds the name of the trust if the residence is held in one.
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Actual Cash Value Loss Settlement – Roof (HO-493) |
- Change the roof settlement to ACV for a reduced premium.
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Assisted Living Care Coverage (HO-459) |
- Provides liability coverage for a family member that is in an assisted living facility.
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Building Additions and Alterations Other Residence (HO-46) |
- Covers additions and alterations of other residences owned by the insured.
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Building Ordinance or Law Coverage – Increased Limits |
- Provides coverage for any loss due to construction, repair, demolition or zoning of the dwelling. Up to 15%.
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Business Property Increased Limits (HO-146) |
- Adds property coverage for business property stored on the premises.
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Credit Card, Funds Transfer Card, Forgery and Counterfeit |
- Adds coverage for financial losses due directly to forgery and counterfeit.
- Limits: 2500,5000, 7500,10000.
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Dwelling under Construction Coverage (HO-102) |
- Will provide coverage to the dwelling while it is under construction up to one year in advance. Builders risk endorsement.
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Earthquake (HO-54) |
- Provides coverage for earthquake damage at a special deductible. Can exclude and include masonry veneer.
- Available deductibles: 10%, 15%, 20%, 25%.
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Farmers Personal Liability (HO-210) |
- Extends liability coverage to farms.
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Foundation Coverage (HO-468) |
- Provides coverage for damage to foundation. Up to $25,000.
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Functional Replacement Cost Loss Settlement (HO-825) |
- Loss settlement will use cheaper materials to rebuild the home.
- Will decrease premium.
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Increased Special Limits |
- Jewelry, Watches and Furs up to $6,500
- Money up to $1,000
- Securities up to $1,500
- Silverware, Goldware and Pewterware up to $10,000
- Electronic Apparatus in or upon a motor vehicle $1,500
- Tapes, records, discs or other media in or upon a motor vehicle up to $500
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Loss Assessment Earthquake (HO-36) |
- Adds loss assessment coverage for losses due to earthquakes.
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Modified Loss Settlement (HO-530) |
- Losses will be paid out at the actual amount it cost to repair.
- Will lower premium.
- Cannot be written with Functional replacement cost.
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Motorized Golf Cart Coverage (HO-28) |
- Extends coverage to golf carts on the premises. $250 deductible applies. The most that will be paid for one loss is $5,000.
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Other Members of Your Household (HO-458) |
- Lists the other members in the household who are not an insured or tenant.
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Personal Liability Umbrella Supplement (58200 TX) |
- Adds excess liability to the policy. Maximum limit is $10,000,000.
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Replacement Cost Loss Settlement for Certain Non-Building Structures (HO-433) |
- Adds replacement cost for non-structures (Walls, driveways, non-wood patios.)
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Residence Glass Coverage (HO-105) |
- Provides coverage for glass that is not scheduled.
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Special Coverage on Personal Property (HO-15) |
- Changes the coverage and exclusions for personal property.
- Jewelry covered for being misplaced.
- Firearms covered for being misplaced.
- Silverware covered for being misplaced.
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Student Away from Residence Premises (HO-311) |
- Adds section 1 and section 2 coverage for a resident who is away at school. Must have lived at the home before moving away to college.
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Water Backup of Sewers Or Drains (HO-208) |
- Adds coverage for damage due to water back up.
- Available limits: $5,000/$10,000/$15,000.
- Additional discount if you have sump pump.
- No deductible.
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Watercraft Hull Coverage (HO-76) |
- Extends property coverage to watercraft on premises. Watercraft cannot be longer than 26 feet length.
- No deductible applies for this coverage.
- Not covered while away from premises.
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