A home is typically the single most valuable asset we own, but while homeowners insurance protects your asset, your family and your household possessions, if disaster struck and contents are damaged or stolen, you probably couldn’t afford to replace everything all at once.

It is important to review your homeowners policy carefully to ensure all the items you believe are covered truly are. The good news is that most homeowners insurance policies have features that allow you to custom design a policy that’s right for you. Whereas, traditional homeowners programs offer protection for your home’s structures, protection for your personal property, and liability coverages, special coverages for computers may not be covered. The good news is that for an additional premium, you can not only cover your computers, you can also broaden the coverage for your computer due to direct physical loss. For example, if the policyholder drops a glass of water on the computer, this would be covered. This endorsement is subject to the policy deductible.

We suggest you review the following optional endorsements to your homeowners insurance coverage. If the coverage does not appear on your Declarations Summary, it is not included in your policy.

• Extended Replacement Cost on Dwelling
• Replacement Cost on Personal Property
• Fire Alarm Credit
• Companion Policy Discount
• Additional Limits of Liability
• Earthquake
• Increase Wind & Hail Deductibles
• Increase Limits on Other Structures
• Water Back up and Sump Overflow
• Increased Limits on Personal Property
• Increased Limits on Business Property
• Scheduled Personal Property
• Special Computer Coverage
• Identity Theft
• Loss Assessment Coverage
• Watercraft
• Personal Injury

Additional endorsements and credits are subject to availability and qualification.

© Copyright 2016. All rights reserved. This content is strictly for informational purposes and although experts have prepared it, the reader should not substitute this information for professional insurance advice. If you have any questions, please consult your insurance professional before acting on any information presented. Read more.