Home Coverage Options
Equipment Breakdown Coverage
Provides protection for mechanical or electrical system failures within the home, including HVAC, appliances, and integrated systems.
Extended / Guaranteed Replacement Cost
Provides additional protection above stated dwelling limits when reconstruction costs exceed initial estimates, helping mitigate underinsurance risk.
Identity Theft Assistance
Provides expense reimbursement and support services related to identity restoration following a covered event.
Ordinance or Law Coverage
Addresses additional reconstruction costs required to comply with updated building codes following a covered loss.
Replacement Cost Coverage
Replaces damaged property at current reconstruction cost without deduction for depreciation, subject to policy limits and valuation accuracy.
Scheduled Personal Property
Structures specific valuation protection for high-value items such as jewelry, art, collectibles, or specialty equipment beyond standard policy sublimits.
Service Line Coverage
Extends protection to underground utility service lines servicing the property, including water, sewer, and electrical connections.
Water Backup Protection
Extends coverage to certain water damage events caused by sump pump failure or sewer backup, subject to endorsement terms and limits.
Property Types We Protect
Condominiums and townhomes (HO-6 policies)
High-value dwellings requiring specialized valuation
Newly constructed properties
Primary residences
Residential investment properties (separate dwelling policies)
Secondary and seasonal homes
Home insurance isn’t just about price. It’s about making sure your home, your assets, and your financial security are properly protected.Â