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Homeowners Endorsements Earthquake Coverage Endorsement Earthquake coverage is excluded under Section I of a homeowners policy. Adding this endorsement removes the exclusion and adds earthquake coverage which is subject to a deductible for each coverage under Section I. Extended Replacement Cost on Dwelling (25% of Dwelling Coverage A) Endorsement Pays a certain amount above the policy limit to replace a damaged home, generally 120 percent or 125 percent. Similar to a guaranteed replacement cost policy, which has no percentage limits. Personal Injury Endorsement Adds coverage to the liability section of the homeowners policy during the policy period for the offense of false arrest, malicious prosecution, wrongful eviction, libel, slander. Ordinance or Law (increased limits) Endorsement Pays for the loss of value of an undamaged portion of the existing building which must be demolished and/or removed to conform with municipal ordinance, code, etc. Personal Property Replacement Cost Endorsement Property loss settlements under the homeowners policy are made on an actual cash value basis. When the replacement cost endorsement is added, the loss settlement payment would be sufficient to replace the item for the cost at the time of loss without deductions for depreciation. Loss Assessment Endorsement Will pay for your share of loss assessment charged during the policy period against you , as owner or tenant of the “residence premises”, by a corporation or association of property owners. Identity Theft Protection Endorsement Provides assistance from a consumer fraud specialist and covers expenses related to restoring your good name and financial reputation. Usually has a sublimit, some common limits are up to $25,000. Equipment Breakdown Endorsement A unique coverage that extends to all of your essential home systems and personal Property due to loss by mechanical or electrical breakdown. Scheduled Personal Property Endorsement The scheduled personal property endorsement is used to provide coverage for risk of direct loss for such items as jewelry, furs, cameras, musical instruments, silverware, golfers equipment, fine arts, postage stamps and rare coins. Scheduled property can be insured for any amount the insured requires.

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Increase Other Structures Limit Endorsement This endorsement increases the limit under coverage B, Other Structures. The limit for unattached structures on the residence premise would be increased, and the increase would be in addition to the limit already provided. Inflation Guard Endorsement When this endorsement is added to the policy, it increases the limit of coverage for A, B, C, and D. The insured selects the percentage of increase for the year and the limits are automatically increased at certain dates throughout the year. Animal Liability Endorsement Will provide liability coverage for bodily injury or property damage claims which arise out of or are caused by an animal owned by, or in the care, custody, or control of the insured. Water Backup and Sump Overflow Coverage in case your pipes or sewers back up into your house & overflow into the house. This is different from flood insurance, and your homeowners insurance policy typically does not automatically cover this for you in your home. Usually has a sublimit of $5,000 or $10,000.