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PRODUCTSAT- A-GLANCE
 
EXCESS LIABILITY
H  O ME   O WN E  R  S  
PRIVATECOLLECTIONS
AUTOMOBILE
    E    X    C    E    S    S     F    L    O    O    D
YACHT
SPECIALIZEDPRODUCTS
 
H  O ME   O WN E  R  S 
HOMEOWNERS
Building OrdinanceIncreased Costs
Pays for required upgradesto satisfy local buildingordinances when rebuildingproperty damaged by acovered lossAccounts for mandatedincreases and rebuildingcosts up to the policy limit
*Availability varies by state
COVERAGE FEATUREWHAT IT MEANSWHY IT MATTERS
 All-risk Coverage
Protects against propertydamage or loss regardlessof cause; for dwelling,other structures andpersonal propertyBroadest coverage inthe industry
Cash SettlementOption on Contents
Option to receive a cashsettlement in lieu of replacinglost or damaged propertyFlexibility at the time of loss
Total Loss CashSettlement Options
Option to receive a cashsettlement up to the coveragelimit, rather than rebuild onthe siteFlexibility at the time of loss
Guaranteed RebuildingCost* for Dwelling
No caps or limitations forrebuilding both the dwellingand other structuresRebuild to match exceptionalbuilding quality, historichomes and uniquestructures, even whenpolicy limits are exceeded
Replacement Costfor Contents
Damaged personal propertycan be replaced with newitem(s)Reimburses up to thecoverage limit withoutdepreciation
High Deductible Options
Deductibles available upto $100,000Assuming more of theup-front risk can result inmeaningful premium savings
Other Structures andPersonal Property
Standard Limits: 20% ofdwelling coverage for otherstructures and 50-70% ofdwelling coverage forpersonal property; limitscan be adjusted as neededFlexible limits for moreprecise coverage
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