Agent Portal: Travelers: High Value Home

$1,500 away

• Adds blanket coverage for jewelry, silverware, fine arts, furs, computers, fine arts, guns, Cameras, Musical Instruments, china/crystal 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.

• 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

• Changes the personal property coverage for business property to $15,000. Up to $5,000 away from premises.
• Medical payments will not apply to employees.

• The coverages on the main home are expanded to the other residence for business use.

• Adds liability coverage for personal injury (False arrest, malicious prosecution, slander).

• 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.

• Confirms that the home is considered a green home and that the materials used to rebuild the home will be green materials.

• Adds the name of the trust if the residence is held in one.

• Change the roof settlement to ACV for a reduced premium.

• Provides liability coverage for a family member that is in an assisted living facility.

• Covers additions and alterations of other residences owned by the insured.

• Provides coverage for any loss due to construction, repair, demolition or zoning of the dwelling. Up to 15%.

• Adds property coverage for business property stored on the premises.

• Adds coverage for financial losses due directly to forgery and counterfeit.
• Limits: 2500,5000, 7500,10000.

• Will provide coverage to the dwelling while it is under construction up to one year in advance. Builders risk endorsement.

• Provides coverage for earthquake damage at a special deductible. Can exclude and include masonry veneer.
• Available deductibles: 10%, 15%, 20%, 25%.
• Does not cover Flood or the cost to fill land.
• Does not include earth movement after volcanic eruption.

• Extends liability coverage to farms.

• Provides coverage for damage to foundation. Up to $25,000.

• Loss settlement will use cheaper materials to rebuild the home.
• Will decrease premium.

• 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

• Adds loss assessment coverage for losses due to earthquakes.
• Deductible must be selected.

• Losses will be paid out at the actual amount it cost to repair.
• Will lower premium.
• Cannot be written with Functional replacement cost.

• Extends coverage to golf carts on the premises.
• $250 deductible applies.
• The most that will be paid for one loss is $5,000.

• Lists the other members in the household who are not an insured or tenant.

• Adds excess liability to the policy. Maximum limit is $10,000,000.

• Adds replacement cost for non-structures (Walls, driveways, non-wood patios.)

• Provides coverage for glass that is not scheduled.

• Changes the coverage and exclusions for personal property.
• Jewelry covered for being misplaced.
• Firearms covered for being misplaced.
• Silverware covered for being misplaced.

• 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.

• 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.

• Extends property coverage to watercraft on premises. Watercraft cannot be longer than 26 feet length.
• $250 deductible.

• Extends the liability coverage to watercraft.

• Covers the personal property at another residence up to the limit selected.

• Extends the personal liability on the policy to certain business pursuits.
• Architectural, engineering, or industrial design is not accepted.
• Medical, surgical, dental, or other services or treatment are not accepted.
• Beauty or barber services are not accepted.

• Windstorm and hail can be excluded to save on premium.

• Can be added to exclude non-structural damage to the roof caused by hail.
• Lowers premium.

• Adds a deductible for the peril of hurricanes.

• Fire extinguisher, smoke alarm, local fire alarm, central fire alarm, direct fire alarm, partial sprinkler system, full sprinkler system.

Theft

• Deadbolts, local burglar alarm, central burglar alarm (Certification required), direct burglar alarm (Certification required), 24-Hour Security Guard.

• Will provide a credit if the roof is hail resistant. Certification is required. Damage to roof by hail excluded from the policy.

• The younger the roof the bigger the discount.

• The discount is available for a residence that has received the Leadership in Energy and Environmental Design (LEED) certificate.

• Available if you are loss free for three years.

• Available if you just purchased the home on or 12 months before the effective date.

• Available if the effective date is in the future. The farther out the bigger the discount.

• Available if you have any other policies with Travelers.