In the event of a covered loss, your policy covers your personal property (up to the amount you selected for personal property coverage) with an adjustment for actual cash value (depreciation). If you would like your claim settled for the replacement cost of the items at the time of the loss, without depreciation, select this extra protection.

Do you have a detached garage, shed or in-law apartment? Select this coverage and the value needed to provide extra protection for buildings other than your main residence.

Have a pool? The standard policy doesn’t cover the costs associated with pool repair and refill. You may want to select this coverage if you have a pool.

Protect your personal property located in the basement. The standard policy does not provide coverage for basement contents, so if you have a basement, this extra coverage may be a valuable addition to protect your assets.