Extended Dwelling Coverage – Provides up to an additional percentage of the dwelling coverage amount should repair or replacement exceed the original dwelling coverage amount displayed on the declarations page. For additional details refer to the Product Guide. Homeowners coverage is designed to reconstruct a home under normal conditions after a total loss. But in the event of a catastrophe, soaring demand for building materials and labor could cause reconstruction costs to increase, leaving policy limits inadequate. That’s where Extended Dwelling Coverage kicks in.
Sewer and Water Back-Up for building and Listed Items – Provides coverage for building and listed personal property when a loss occurs caused by water which backs up through, or overflows from, a sewer, drain, sump, sump pump, or any system on the residence premises designated to remove subsurface water from the foundation area.
Building Ordinance or Law Coverage – Increased limits are available to increase coverage for requirements to comply with any ordinance or law that regulates the construction, repair or demolition of your dwelling following a covered loss.
Equipment Breakdown Coverage – Optional coverage that provides coverage for accidental direct physical loss to covered property caused by equipment breakdown (limit and deductible apply). The wear and tear exclusion in the policy applies to this coverage. Covered losses must be direct, accidental, and sudden, such as a broken part or electrical arcing. Routine performance failure due to age is not covered.
Extension of Owner-Occupied Dwelling Liability – Option to extend liability to secondary locations owned by the insured (i.e., secondary, or seasonal location, etc.) Indicate number of locations to be covered. For additional details refer to the Product Guide
Service Line Coverage – Optional coverage for physical loss or damage to covered service lines on the residence premises that is the direct result of a service line failure (limit and deductible apply). Covered losses include, but are not limited to, wear and tear, rust and corrosion, mechanical breakdown, freezing or frost heave, and tree or other root invasion. Coverage is limited to that part of the service line running from the point of connection to the main service or utility line up to the dwelling.
Valuable Articles Coverage – Optional Coverage that provides ‘all perils’ coverage for certain classes of property. Coverage is available on a blanket (grouped) bases or an itemized (scheduled) basis.