Optional homeowners insurance coverage
Here are additional coverage options that can be added to an Auto-Owners home insurance policy:
This package covers extra damages related to appliance failure and increases limits for a variety of other coverages.
Guaranteed home replacement cost
Sometimes the cost to rebuild can be higher than your homeowners insurance coverage limits. This addition ensures that you can have your home rebuilt to the same standard it was before.
Water backup of sewers or drains
While backups from sewers or drains aren’t typically covered by standard homeowners insurance policies, adding this coverage can help in a variety of situations involving water damage.
Special personal property coverage
This expands coverage for your personal property.
Ordinance or law coverage
Sometimes, local ordinances or laws regulate the construction, repair, or demolition of your property. This coverage pays if local ordinance or law require you to make significant changes to your property.
This coverage kicks in when mechanical or electrical issues cause the failure of equipment such as major appliances, computers, or air conditioning units.
Identity theft expense coverage
If you're a victim of identity theft, this coverage will provide up to $15,000 for expenses related to restoration.
Auto-Owners insurance coverage options for high-value homes
Some homes have unique insurance needs. This is especially true when the home is of significant value. Along with the endorsements above, Auto-Owners Insurance has special coverage options for high-value homes, including the following: