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Homeowners insurance policies typically provide basic
protection for your property. But they may not provide all of the
protection you want or need. Consider these additional homeowners
insurance coverage options to tailor a policy that's right for you.
Scheduled personal property
Provides additional homeowners insurance coverage for high value
items such as jewelry, watches, antiques and fine art.
Replacement cost plus
Can pay up to an additional 20 percent of the home coverage limit if
there is a total loss of your home – and additional money is needed
to rebuild.
Extended replacement cost on contents
Pays to replace or repair personal property without depreciation
being taken from the value of the property.
Water backup of sewer
Broadens the coverage for loss due to water backup through sewers or
drains.
Ordinance or law
Pays for increased expense to rebuild due to current building codes
or ordinances.
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