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Features

Claim-Free Bonus. You'll receive up to 5% toward your homeowners insurance renewal after 12 months without a claim.
Claim RateGuard. Your rate won’t go up just because you file a claim.
Guaranteed Renewal for Claims. Your homeowners policy will not be dropped just because of the number of claims you file.

Prized Possessions. Increases limits up to $10,000 for jewelry, watches, furs ($2,500 per item), $10,000 for theft of silverware.
Identity Restoration. If you’re identity is stolen, this includes up to $25,000 reimbursement for covered expenses.
Home Enterprise Coverage. Expands coverage for office or studio.
Electronic Data Recovery. Covers up to $5,000 for recovery of lost data from computer.
Yard & Garden. Includes landscaping & trees, and up to $20,000 for riding mowers.
Sports & Leisure. Provides up to $10,000 for sports equipment and $5,000 for water craft.
Music & Photography. Up to $5,000 for musical instruments and $5,000 for camera equipment ($10,000 total)