Additional coverages for unique situations

Earthquake Coverage
Flood Coverage
Scheduled Personal Property
Replacement Cost Coverage
Special Computer Coverage
Watercraft and/or Snowmobile Liability
Personal Injury Liability
Condominium Unit-Owners
Coverages Increased Limits

Earthquake Coverage
Earthquake or earth movement is not covered by our basic homeowners policy. However, we have coverage available that can protect you in the event of a disaster. 

Flood Coverage
While not included in the basic homeowners policy, a flood insurance policy can be purchased through the 21st Century Homeowners Insurance Program to protect your property against all types of flood losses.

Scheduled Personal Property
If you have collectibles or high-valued items, such as an expensive musical instrument, camera, jewelry, or even golf clubs, it is a good idea to schedule those items separately to cover their fair market value up to the scheduled limit. If those items are not scheduled, reimbursement for their loss may be subject to the limitations specified in your customer's policy. Scheduled Personal Property limits vary by the type of property insured.

Replacement Cost Coverage
This coverage can be added to your homeowners policy to cover your dwelling and/or personal belongings. For your home, coverage is available to provide up to 120% of the insured limit for repair or replacement in the event they suffer a loss. For your personal belongings, replacement coverage provides new items of like kind and quality -- not depreciated due to their age -- to help you recover from a loss.

Special Computer Coverage
Broaden the coverage on your computer and give yourself the peace of mind that comes with knowing that you are insured properly against most types of losses which affect the use of their computer. Special Computer Coverage goes beyond the basic homeowners policy to make sure you are protected against many types of losses in addition to those the basic homeowners policy covers.

These coverage options are generally available; however, there may be differences in specific coverages or limits by state. The precise coverage afforded by the 21st Century Homeowners Insurance Program is subject to the terms and conditions of the 21st Century Homeowners Insurance Program policies as issued. These coverage summaries are provided for your convenience only and are not intended to replace or supercede the policy terms and conditions. Whether and to what extent a particular loss is covered depends on the facts and circumstances of the loss and the terms and conditions of the policy as issued.

Watercraft and/or Snowmobile Liability
The basic homeowners policy includes very limited coverage for liability in the operation of watercraft and/or snowmobiles. If you own a watercraft or snowmobile, they can easily protect against these risks.

Personal Injury Liability
Your personal liability coverage can be extended to provide protection against liability for damages such as libel, slander, and invasion of privacy.

Condominium Unit-Owners' Coverages
Additional coverages are available to meet the particular needs of condo owners, such as broader coverage against more types of loss for your personal property, protection for certain personal property if your unit is held for rental, and increased limits for loss assessment by your condo association.

Increased Limits
The coverage limits for many homeowner's policy options can be increased to accommodate special circumstances. Among these are: private structures, personal property (including specific limits for certain types of property such as silverware, business property, and other types), loss of use, liability and medical payments, etc. Just ask your 21st Century Agency home insurance expert for details.