Optional Coverage Endorsements

Subject Endorsement Name Description or Use Program Available Endorsement Number
Additional Insured - Builder Theft Under Construction builder / contractor may be designated as an additional insured. All Forms UIDP 05 0416
Additional Interest Additional Insured - Described Location Covers the insurable interest of a person under Coverage A and B. All Forms DP 04 41
Additional Living Expense Additional Living Expense Provides coverage for the increased living expense incurred to maintain normal standard of living as a result of a covered loss. DP 1 DP 04 14
Antennas, Awnings, and Signs Windstorm or Hail - Radio and Television Antenna, Awnings, and Signs Provides coverage for radio and television antennas, awnings, and signs for the perils of windstorm or hail. All Forms DP 04 19
Business Property Permitted Incidental Occupancies Provides coverage for an incidental office, private school, or studio on premises. All Forms DP 04 20
Condo - Improvements, Alterations, and Additions Unit-Owners Coverage Provides coverage for unit-owners building items, including alterations, appliances, fixtures, and improvements; real property which pertains to the unit; and structures the policyholder solely owns on the premises other that the described location. DP 2 DP 17 66
Improvements, Alterations and Additions-Named Perils Provides coverage for improvements, alterations, and additions made or acquired at the policyholder’s expense. DP 1 and DP 2 DP 04 31
Deductibles Windstorm or Hail Percentage Deductible Provides for higher windstorm or hail percentage deductibles of 1%, 2%, 5%, 7.5%, or 10%. All Forms DP 03 12
Earthquake Earthquake Coverage Provides coverage against a loss resulting from the peril of earthquake. Deductible percentages available 10%, 15%, 20%, and 25%. All Forms DP 04 69
Inflation Guard Automatic Increase in Insurance Provides automatic increases in Coverage A and B limits of liability. All Forms DP 04 11
Loss Assessment Loss Assessment Property Coverage Provides property coverage for your share of loss assessment charged against you by an association. A $500 deductible applies. Maximum limit is $50,000. All Forms DP 04 63
Loss Assessment Coverage for Earthquakes Coverage for loss assessments caused by earthquake can be added. Deductible percentages available 10%, 15%, 20%, or 25%. Maximum limit of $50,000. All Forms DP 04 68
Ordinance or Law Ordinance or Law -Increased Amount of Coverage Increases the limit provided to cover additional costs incurred to repair or rebuild a dwelling as a result of an ordinance or law. Increased limits of 25%, 50%, 75%, and 100% are available. DP 2 and DP 3 DP 04 71
Ordinance or Law Provides coverage for the additional costs incurred to repair or rebuild a dwelling as a result of an ordinance or law. Increased limits of 10%, 25%, 50%, 75%, and 100% are available. DP 1 DP 04 74
Sinkhole Sinkhole Collapse Provides sinkhole collapse coverage. All Forms DP 04 99
Special Coverage Special Coverage (Improvements, Alterations, and Additions or Unit-Owners) Amends the policy from Named Perils coverage to Special coverage for Improvements, Alterations, and Additions or Unit-owners coverage. DP 2 DP 04 66
Theft Coverage Broad Theft Coverage Provides theft, vandalism and malicious mischief coverage on and off premises for owner occupied dwellings. Off premises is only available when on premises is purchased. All Forms DP 04 72
Limited Theft Coverage Provides theft, vandalism and malicious mischief coverage on Premises only for non-owner occupied dwellings. All Forms DP 04 73
Theft Under Construction Extends coverage for theft to building materials, supplies, fixtures and equipment that is part of the insured’s dwelling for described location on the policy. Coverage is provided until the dwelling is completed or the expiration date of the policy, whichever occurs first. Maximum Limit $100,000; $10,000 increments. All Forms WNDP 04 0919
Trees Trees, Shrubs, and Other Plants Provides coverage for loss by windstorm or hail to trees, shrubs, and other plants. $500 per item maximum limit and not to exceed 5% of Coverage A. DP 2 and DP 3 DP 04 18
Water Back-Up Limited Water Back-Up Covers loss caused by water that backs up through sewers or drains, or overflows from a sump pump. Available limits are $5,000; $10,000; $15,000; $20,000; and $25,000. A 30-day waiting period applies. All Forms UI DP 06