Open Peril Coverage for Personal Property.This provides coverage for types of losses that aren't covered on your basic Home and Highway, for instance if you spill paint on your carpet or accidentally throw your Wii controller through the TV.If your sump pump overflows or your sewer backs up, this will provide coverage for the water damage to your basement and the contents stored in it.
Home protector coverage plus#
Protector Plus bundles four coverages at a preferred price which is more economical than purchasing them separately. If you're a member of a condominium or neighborhood association, and property collectively owned by association members is damaged by a covered peril, or if your association becomes liable for a personal injury loss, we'll provide coverage of $5,000 for your share of the loss assessment charged against you. If your family's pet is the victim of a covered accident, your Home and Highway policy automatically provides you with coverage for some of the expenses you may incur, including reasonable and necessary veterinarian expenses and the cost to adopt another pet if your dog or cat should die from the injuries. If your home is damaged or destroyed, we'll provide additional coverage to repair or rebuild with materials that are more environmentally friendly. You'll automatically get $5,000 of coverage to protect your jewelry against more types of loss than what's typically included in a basic insurance policy.
This coverage automatically adjusts the limit of insurance for your home to account for the normal increase in the cost of building materials and labor over time. These are just some of the Protector coverages that are automatically provided on your Home and Highway policy at no additional charge. Many coverages are automatically included others you can purchase for a modest additional premium. Home and Highway simply offers more protection for your home. With Home and Highway, you have blanket coverage, or one limit, for all of them. Blanket Coverage: On many homeowners' policies, detached structures like sheds or garages, as well as your personal property and loss of use of your property, have separate limits of insurance.Guaranteed Replacement Cost: This means that if your home is destroyed by a covered loss, we'll pay to replace it even if the cost to do so is higher than the limits on your policy.The policy provides broad protection for your home including:
With Home and Highway, your home is insured on the same policy as your vehicles and other valuable personal property.
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