Homeowner Plus Endorsement

Cincinnati’s Executive Homeowner Plus endorsement gives you the flexibility to add or increase coverages that could save your family thousands of dollars after a covered loss and payment of your deductible. The endorsement adds or increases coverage for:

• replacement cost on your personal property, with no deduction for depreciation
• repair or replacement of your damaged trees, shrubs and plants. After a covered loss, you could receive an additional 10 percent of your policy's dwelling amount, including up to $1,000 for any one tree, plant or shrub
• removal of debris from trees, shrubs or plants left behind after a wind or hail storm or because of the weight of ice, snow or sleet, up to $500
• your increased cost, within the coverage limit stated on your policy declarations, to rebuild, repair or demolish your dwelling according to building ordinances or laws after a covered loss
• your loss from theft or unauthorized use of your credit cards, up to an increased coverage amount of $5,000
• your lost or stolen unscheduled jewelry, watches, furs, precious and semiprecious stones, up to an increased coverage amount of $2,500
• your freezer contents damaged due to a power failure or mechanical breakdown, up to $500, with no deductible

In most states, we waive your deductible when you experience a covered loss of $50,000 or more, unless the cause of loss is wind, earthquake or landslide or a separate deductible applies to windstorm or hail (if physical loss occurs as a result of a named storm).

Increased Water Limits

An additional endorsement that could bring you peace of mind is our Limited Water Damage Coverage.You may qualify for coverage for water losses up to a maximum of $100,000 per occurrence. These are losses caused by water or water-borne material that backs up through sewers or drains from off the insured premises; water that overflows or discharges from a sump pump or related equipment; or water that exerts pressure or seeps from below the surface of the ground through an insured structure.