Additional Coverages

Earthquake Coverage
Earthquake or earth movement is not covered by your basic homeowners policy. However, we have coverage available that can protect you in the event of a disaster. Just ask your Homesite home insurance expert for details.

Flood Coverage
While not included in the basic homeowners policy, a flood insurance policy can be purchased through the Homesite Insurance Agency to protect your property against all types of flood losses.

Scheduled Personal Property
If you have collectibles or high-value items, such as an expensive musical instrument, camera, jewelry, or even your golf clubs, it is a good idea to schedule those items separately to cover their fair market value up to the scheduled limit. If those items are not scheduled, reimbursement for their loss may be subject to the limitations specified in your policy. Scheduled Personal Property limits vary by the type of property insured; just ask your Homesite home insurance expert for details.

Replacement Cost Coverage
You can add this coverage to your homeowners policy to cover your dwelling and/or your personal belongings. For your home, coverage is available to provide up to 120% of the insured limit for repair or replacement in the event you suffer a loss. For your personal belongings, replacement coverage provides new items of like kind and quality -- not depreciated due to their age -- to help you recover from a loss.

Special Computer Coverage
Broaden the coverage on your computer and give yourself the peace of mind that comes with knowing that you are insured properly against most types of losses which affect use of your computer. Special Computer Coverage goes beyond the basic homeowners policy to make sure you are protected against many types of losses in addition to those your basic homeowners policy covers.

These coverage options are generally available; however, there may be differences in specific coverages or limits by state. The precise coverage afforded by Homesite is subject to the terms and conditions of the Homesite Insurance policies as issued. These coverage summaries are provided for your convenience only and are not intended to replace or supercede the policy terms and conditions. Whether and to what extent a particular loss is covered depends on the facts and circumstances of the loss and the terms and conditions of the policy as issued.

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