Protection that Every Home and Car Should Have

$2,000,000 Liability: Consider increasing your liability coverage to $2,000,000 for comprehensive protection in potential court settlements.

Sewer Backup and Sump Pump Failure: Protect against sewer backup damage, often not covered in standard policies, with additional coverage.

Overland Water Protection: Safeguard your home from damage caused by rising rivers, streams, and other overflowing bodies of water.

Service Line Coverage: Ensure coverage for repair or replacement of homeowner-owned underground service lines delivering essential services.

Increased Accident Benefits: Consider additional coverage beyond basic government benefits for medical, rehabilitation, and attendant care after an accident.

Claims Forgiveness: Protect your driving record and maintain your driver rating after an at-fault accident.

Limited Waiver of Depreciation Endorsement: Waive depreciation on new vehicles to receive the full value in the event of a total loss.

Coverage for Transportation Replacement (Loss of Use endorsement): Provides coverage for a rental car while your vehicle is being repaired.

Liability For Damage to Non-Owned Vehicles Endorsement (OPCF 27): Add coverage when renting a vehicle, saving on rental car company insurance rates.

Extreme Weather Preparedness: Address the increasing frequency of severe weather events, ensuring your policy is up-to-date and covers potential damages.