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.
